420 Birdie Rd Locust Grove, VA 22508
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About this home
✨ Fully Renovated Golf Course Home in Lake of the Woods ✨ Welcome to 420 Birdie Road, a beautifully renovated home perfectly situated along the golf course in the sought-after Lake of the Woods community. Every detail has been thoughtfully updated, blending modern comfort with timeless style. Step inside the gorgeous brand new wooden French entry doors to find a bright, open-concept layout featuring new LVP flooring, grand floor to ceiling brick fireplace and wood mantel. Fresh paint (interior and exterior) throughout with upgraded fixtures, and new carpet flooring in all bedrooms and stairs. The stunning kitchen offers brand-new white shaker soft-close cabinetry, sleek quartz countertops, and new stainless-steel appliances, making it a true centerpiece for both daily living and entertaining. Spacious living areas flow seamlessly, with large windows and new sliding glass doors showcasing serene golf course views. This floor plan features 2 bedrooms with a full bathroom on both the main and upper level. Outdoor living is equally impressive—relax on the deck, screened porch, balcony, or in a hammock under the trees, and enjoy peaceful morning coffee, and evenings overlooking the fairway as your neighbors and friends play through. Located in the amenity-rich Lake of the Woods community, you’ll have access to two lakes, beaches, boating, swimming pools, stables, walking trails, tennis, and an 18-hole PGA golf course right at your doorstep. This move-in-ready home offers the perfect combination of luxury, leisure, and lifestyle. 2025 updates include: architectural roof, LVP and carpet flooring, wooden French entry doors, all new interior doors and hardware included 4 new sliding glass doors, interior and exterior paint, new screened back porch, finished garage with new door and opener, light fixtures, kitchen cabinets and bathroom vanities with quartz countertops, garbage disposal, tile surrounding tubs, faucets, toilets, deck, balcony, vapor barrier, 2 each culvert pipes, and much more.
Source: BRIGHT #VAOR2012286
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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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