23202 Village Rd Unionville, VA 22567
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About this home
Step into a charming farmhouse-style home that beautifully blends classic character with modern comforts. This delightful home, built in 1940, offers a spacious 3,208 square feet of living space, perfect for creating lasting memories. With four generously sized bedrooms and three full bathrooms, there's ample room for everyone to enjoy their own space. As you enter, you'll be greeted by a warm and inviting atmosphere, enhanced by a mix of hardwood, carpet, and tile flooring that flows seamlessly throughout the home. The well-appointed kitchen is equipped with granite, a double oven, gas chef-level cooktop, microwave, dishwasher, and refrigerator, making meal preparation a breeze. Whether you're a culinary enthusiast or prefer quick meals, this kitchen is designed to meet your needs. The home offers two primary suites, one on each level, with an en-suite bathroom, providing a perfect sanctuary for relaxation after a long day. Each additional bedroom is spacious and filled with natural light, ensuring comfort for all. Step outside to discover the expansive 1.81-acre lot, which is cleared and level, providing endless possibilities for outdoor activities, gardening, or simply enjoying the serene surroundings. The property features a lovely deck and porch, perfect for sipping morning coffee or hosting summer barbecues. With a detached oversized garage/shop that accommodates three vehicles and additional driveway space for ten, parking will never be a concern. This home is not just a place to live; it's a lifestyle. The combination of indoor and outdoor spaces creates a harmonious environment where you can unwind and connect with nature. The peaceful setting invites you to explore your hobbies, whether it's gardening, playing outdoor games, or simply enjoying the tranquility of your own backyard. Located in a desirable area, this property offers the perfect blend of privacy and convenience. With no homeowners association to restrict your creativity, you have the freedom to make this house your own. Don't miss the opportunity to make this charming farmhouse your forever home, where comfort and warmth await at every turn.
Source: BRIGHT #VAOR2010644
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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.