4851 Ebb Tide Ct Dumfries, VA 22025
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About this home
Welcome to this beautifully renovated 2,100+ sq. ft. townhome in the highly desirable Southlake at Montclair community. Featuring 4 bedrooms, modern updates, and serene water views, this home perfectly balances comfort, style, and convenience. Renovations include brand-new flooring, plush carpet, fresh paint, and updated light fixtures throughout, along with major upgrades such as a new HVAC system, hot water tank, appliances, and a roof replaced in 2020. The main level offers a spacious living room with a custom feature wall and a kitchen that opens to a large deck overlooking the water—ideal for entertaining or relaxing in privacy. Upstairs, you’ll find three generously sized bedrooms with refreshed vanities and lighting. The fully finished walkout basement includes a versatile recreation room with a cozy gas fireplace, full laundry area, storage, and access to a backyard complete with a new walkway and patio. This home also comes with two reserved parking spaces and ample guest parking. As a resident of Montclair, you’ll enjoy access to three private beaches, a pool, tennis and basketball courts, playgrounds, trails, and the Montclair Golf & Country Club. Conveniently located near Quantico, Fort Belvoir, and major commuter routes, this lake-view townhome is a rare find—Welcome Home!
Source: BRIGHT #VAPW2106828
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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.