15697 Viewpoint Cir Dumfries, VA 22025
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About this home
Welcome to this inviting townhome nestled in the heart of Southlake at Montclair. This beautifully maintained colonial gem, featuring soaring ceilings, offers 4 bedrooms and 3.5 bathrooms spread across 1,735 square feet of living space. Step inside to discover an open concept layout with stunning flooring and custom molding. The sunny eat-in kitchen shines with granite countertops, stainless steel appliances, and ample cabinet space. Perfect for gatherings, the kitchen opens onto a spacious Trex deck that backs to trees, providing peace and serenity... ideal for relaxing evenings. In the winter months, you can even enjoy a glimpse of the water. Upstairs, the elegant primary suite offers a walk-in closet and ensuite bath, complemented by two additional bedrooms and a full bath. The versatile lower level includes a laundry area, full bath, and a flexible room suitable for a fourth bedroom, playroom, or office. Experience comfort and style in this charming home. **Special financing available for the incoming buyer because of seller relocation. Project My Home approved listing (possibly as low as a 4% interest rate, for those that qualify)** Reach out to listing agent for more details. Fantastic opportunity to get a lower interest rate!!!
Source: BRIGHT #VAPW2103460
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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.