15601 Moss Light Pl Moseley, VA 23120
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About this home
$20,000 SELLER INCENTIVE TOWARDS INTEREST RATE BUY-DOWN, CLOSING COSTS, OR UPGRADES - BUYER'S CHOICE with accepted offer! Discover exceptional value and flexibility in this 6-bedroom, 3.5-bath home with 3,495 sq ft of living space, nestled on a private cul-de-sac lot in highly sought-after FOXFIRE. Flexible floor plan with hardwood floors throughout the first level; Formal living and dining rooms offer ideal flex space for work-from-home or entertaining; Back staircase leads to a large bonus room—perfect for playroom, gym, or private suite; Spacious primary suite includes a walk-in closet, large en-suite bath, and sitting area; Family room with gas fireplace opens to the kitchen for easy flow; Finished 3rd floor provides extra living, hobby, or guest space; Ample storage in the attic and garage. Enjoy outdoor living with Full front porch for relaxing evenings or Back deck overlooking a mature tree buffer — ideal for gatherings or quiet mornings. Recent System Updates: Two Carrier HVAC systems (2020), Gas water heater (2018). Community Amenities include trails, sports field, playground, clubhouse with pool, tennis, volleyball, and pickleball courts, access to Swift Creek Reservoir for fishing, kayaking, and canoeing. Zoned for Cosby High School and the new Deep Creek Middle School, plus convenient access to nearby shopping and dining. Come make this house your next HOME!
Source: CENTRALVIRGINIA #2525786
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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.