2350 Lancashire Dr North Chesterfield, VA 23235
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About this home
Welcome home to 2350 Lancashire Drive. This move-in-ready home offers a rare first-floor primary suite and a serene wooded lot in the wonderful Surreywood neighborhood. Perfectly tucked away on a quiet cul-de-sac, this home blends privacy and convenience—surrounded by mature trees while still just minutes from shopping and dining off Hull Street. Step inside to find a warm and inviting floor plan filled with natural light. Off the large foyer are French doors leading to the dining room, which can also double as a living room, playroom, or office. The space is large enough to accommodate multiple uses. The heart of the home is the oversized, vaulted family room—a wonderful gathering space anchored by a gas fireplace on one side and the kitchen island on the other. Large windows surround the family room, overlooking the wooded lot and back deck. Beautiful shutters adorn all the windows throughout the home. The open kitchen is ideal for everyday living and entertaining. Seating available on the island or breakfast nook. The first-floor primary suite offers two generous closets and an ensuite bath with a dual vanity and tub/shower combo. There is also a large laundry room and mudroom with extensive storage—perfect as a convenient first-floor “drop zone.” Upstairs, there are two additional bedrooms that share an adjoining bath with separate vanities, making the layout perfect for guests, family, or a dedicated work-from-home space. The basement level includes a one-car garage and an additional recreation space, which leads out to the driveway. Step outside to enjoy the peaceful setting on a nearly half-acre lot. Whether you're hosting friends or enjoying quiet morning coffee on the deck, this backyard feels like your own private retreat. For those with green thumbs, there is plenty of space in the backyard for gardening. Surreywood is a wonderful, tight-knit community with an optional Civic Association for homeowners. Additionally, there is the option to join the Surreywood Swim and Tennis Club.
Source: CENTRALVIRGINIA #2528592
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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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