47 Roseberry Ln Urbanna, VA 23175
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About this home
Welcome Home: Light-Filled Living Just Minutes from Historic Urbanna Tucked away in a peaceful setting only 1.5 miles from the picturesque charm of downtown Urbanna, family-style home offers warmth, space, and timeless appeal. Whether you're hosting holiday gatherings or enjoying quiet evenings by the fire, every room is crafted to feel inviting and thoughtfully designed for both comfort & functionality. Step into the central hall and be greeted by the formal dining room—an ideal space for celebrations & shared meals. Just beyond, the elegant living room welcomes guests w/ its vented gas fireplace, perfect for cozy cool evenings and relaxed conversation. Expansive windows flood the space w/ natural light, creating an atmosphere that’s both open and serene. At the heart of the home is a spacious kitchen built to inspire culinary creativity. Equipped w/ gas cooktop, wall oven, refrigerator, microwave, dishwasher, & ample cabinetry, it’s more than just a place to cook—it’s a hub for connection. The built-in desk and breakfast bar provide smart storage & casual dining options, while the bright alcove, surrounded by built-ins, offers a delightful space for morning coffee or family meals. Gatherings flow effortlessly into the large family room overlooking the fully fenced backyard—a lush space perfect for children, pets, & al fresco entertaining. Whether it's summer barbecues or peaceful evenings under the stars, the outdoor area completes the home's inviting layout. The private quarters are equally appealing. Generous primary suite features multiple closets & a luxurious five-piece bath your personal retreat at the end of the day. 2 additional bedrooms offer great closet space & share a full bath with a walk-in shower, making daily routines feel effortless. A separate, oversized bonus room with full bath and zoned heating & air adds incredible flexibility—ideal for a home office, game room, or guest quarters. The full laundry room includes an exterior door for convenient backyard access & additional closet storage.
Source: BRIGHT #VAMX2000224
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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.