32237 Clearwater Way Belle Haven, VA 23306
Your savings
About this home
Seller offering $10,000 closing cost credit with full price offer! Welcome to your dream retreat in the heart of the Bayside Community of Bay Haven! This captivating Cape Cod-style home offers not just a house, but a lifestyle. Nestled on an expansive 3.8-acre lot, this home features 4 spacious bedrooms (plus office!) and 2.5 baths designed for your comfort and convenience. Step onto the inviting covered front porch, perfect for morning coffee or evening relaxation, before entering the open floor plan. The living room greets you with gleaming hardwood floors and ample space for family gatherings. The kitchen, boasting oak cabinetry and a cozy breakfast bar, seamlessly blends into the adjacent dining area, making entertaining a breeze. An office space is ideal for work or study, offering flexibility to your day-to-day. The first floor is home to a primary suite with a luxurious jetted tub, providing a private oasis after a long day. An additional bedroom , ½ bath and laundry complete the downstairs. Upstairs, discover two extra-large bedrooms, full bath, and loft area with wet bar. Outdoor living is spectacular, with a rear deck leading to a large oval above-ground pool, perfect for summer fun. A side deck, large shed, and a thriving backyard featuring blueberries, grapes, and a fig tree enhance your outdoor experience. Enjoy evenings by the fire pit and seating area shaded by the lush greenery. Nature enthusiasts will relish the deer sightings, while adventurers can enjoy crabbing, fishing, kayaking, and canoeing from the community dock. With public boat ramps nearby, your options for water activities are endless. This enchanting property promises a peaceful, yet active lifestyle, making it the perfect place to call home. Recent updates include 2nd floor HVAC replaced in 2024, pump motor for well replaced in 2024 and new bladder tank/water softener (2023). Experience the coastal charm and serene beauty of this Bayside gem today!
Source: BRIGHT #VAAC2002322
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.