14814 Emberdale Dr Woodbridge, VA 22193
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About this home
Nestled on a premium lot with parkland located in the front and the rear, this charming updated two-story, 3-bedroom townhome is designed for modern living. A brick and siding exterior, 2-assigned parking spaces, and fully fenced rear yard with a large deck and shed create outdoor appeal. Inside, warm wide plank flooring greets you in the foyer. To the left, the sun-filled kitchen is sure to please with gleaming granite countertops, an abundance of upgraded cabinetry, chic new tile flooring, quality stainless steel appliances, and a breakfast nook. Just beyond, an open-concept dining and family room with a sleek contemporary lighted ceiling fan creates a warm, welcoming vibe. Here a French style door opens to the deck and large fenced yard backing to trees and open common and playground area, ideal for outdoor relaxation and gathering with family and friends. A powder room and laundry with full sized washer and dryer round out the main level. Ascend the stairs to the upper hallway with pull down attic stairs, and onward to the light filled primary suite boasting a lighted ceiling fan, reach in closet with mirrored doors, and private half bath. Two additional bright bedrooms and an updated hall bath with a tub/shower and spa tone tile flooring and surround complete the upper level. Additionally, plenty of convenient and close visitor spaces make entertaining a breeze! All this is in a peaceful setting with a lush common area with a gazebo across the street and parkland behind. Everyone will appreciate the easy access to major roads, public transport options including the VRE, and the abundance of dining and shopping options at Potomac Mills and Stonebridge Town Center just minutes away!
Source: BRIGHT #VAPW2102986
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.