2004 Track Cir Fredericksburg, VA 22401
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About this home
Welcome home to this inviting townhome in Fredericksburg Park, where comfort, convenience, and community come together. From the moment you arrive, you’ll notice how well this home has been cared for and how perfectly it blends everyday function with thoughtful details. Step outside the neighborhood and follow the walking trails that lead you straight to downtown Fredericksburg. Enjoy local restaurants, boutique shopping, and the VRE station—all just a short walk away. Inside, the entry level offers a private bedroom, and a full bath—great for guests, a home office, or a flexible space that suits your lifestyle. Upstairs, the family room is bright and welcoming with natural light streaming through the windows. The kitchen features stainless steel appliances, gas cooking, a large island, and plenty of room for a dining table. Just off the kitchen, the deck is perfect for morning coffee, weekend grilling, or relaxing outdoors. The top floor includes two comfortable bedrooms. The spacious primary suite has its own bath with dual sinks and a huge walk-in shower, while the second bedroom has access to another full bath in the hall. Living here means you’re never far from where you need to be. You’ll have easy access to Route 1, I-95, and downtown Fredericksburg, making commuting simple. Outdoor enthusiasts will love the Virginia Central Railway Trail that runs nearby—perfect for a walk, jog, or bike ride through town. Move-in ready and full of charm, this townhome is ready for you to make it your own. Come see why so many people love calling Fredericksburg Park home!
Source: BRIGHT #VAFB2009136
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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.