176 Little Whim Rd Fredericksburg, VA 22405
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About this home
WOW! Look at this beautiful home….and priced to sell!! This exquisite Colonial-style home, built in 2018, offers a harmonious blend of modern luxury and timeless elegance. Step inside to discover an inviting open floor plan that seamlessly connects the living spaces, perfect for both entertaining and everyday living. The heart of the home features a cozy gas fireplace, creating a warm ambiance for gatherings. The spacious dining area flows effortlessly into the gourmet kitchen, where upgraded countertops and stainless steel appliances-including a built-in microwave, gas range, and dishwasher-make culinary endeavors a delight. The main level is adorned with luxurious vinyl plank flooring and plush carpeting, offering comfort underfoot. This home has all the upgrades, crown molding, Granite countertops, elegant lighting and a home office. A thoughtfully designed laundry area is conveniently located on the upper floor, enhancing the home's functionality. Each of the four bedrooms are oversized, with the primary suite boasting a large primary full bathroom and walk-in closet that provides ample storage space. Step outside to your generous .71 acre where a beautifully crafted deck and patio invite you to enjoy outdoor dining, entertaining or simply unwind in nature. This partly wooded space offers endless possibilities - whether you envision a inground pool, gardening or private tranquil retreat. The property features a full unfinished basement with an outside entrance, perfect for a home gym, workshop, or additional living space. With an attached front-entry garage accommodating two vehicles and a driveway that can host up to six cars, convenience is at your fingertips. Experience the perfect balance of luxury and comfort in a setting that feels like a retreat, yet remains close to essential shopping, downtown Fredericksburg, commuter lots and rail stations. Embrace the opportunity to make this exceptional property your own, where every detail has been thoughtfully curated for a life of ease and elegance.
Source: BRIGHT #VAST2043262
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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.