2036 Mourning Dove Dr Locust Grove, VA 22508
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About this home
A modern colonial with fresh flooring, thoughtful updates, and an incredible amenity-rich setting — welcome to 2036 Mourning Dove Drive in Wilderness Shores! This spacious home spans approximately 2,500 square feet plus a basement with four bedrooms, 2.5 baths, and sits on a spacious lot with curb appeal and community perks that make it truly stand out. Exterior highlights include an asphalt driveway leading to a two-car garage, freshly refinished deck, fenced back yard with plenty of usable flat space, and charming front flower beds. The roof was replaced just last year, providing peace of mind for years to come. Inside, recent updates shine throughout. The main level features new luxury vinyl plank flooring and carpet, fresh paint, and new light fixtures. You’ll find a formal living room, dining room with chair rail molding, half bath, laundry room (washer and dryer convey!), and a bright family room full of natural light. The kitchen includes newer black appliances, oak-style cabinetry, and a breakfast nook that flows into the light-filled sunroom with access to the deck. Upstairs are four generously sized bedrooms and two full baths. The primary suite is expansive, complete with brand new carpet, a walk-in closet, and a large ensuite bath featuring dual sinks, a soaking tub, and a stand-up shower. The additional bedrooms are spacious and versatile, with deep closets — one large enough to accommodate furniture! A second full bath includes a new vanity and a tub/shower combo. The basement is unfinished but offers fantastic potential with rough-in plumbing for a future bath, an exit window well, under-stairs storage, and brick walls. The utility area includes a sump pump, hot water heater, HVAC system (all regularly maintained), and a utility sink beside the washer/dryer setup. Community amenities include a swimming pool, playgrounds, and a path to the Rapidan River. Just outside the neighborhood, you’ll find Golf Courses, Starbucks, Walmart, and more. Additional shopping, dining, and grocery options are within 20 minutes along Route 3, with I-95 access (Route 3 exit) about 25 minutes away. Downtown Fredericksburg, Culpeper, and Orange are all within a 30-minute drive. From its updates and spacious layout to its convenient location and incredible amenities, 2036 Mourning Dove Drive is an absolute gem!
Source: BRIGHT #VAOR2012238
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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.
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