5800 Spruce Valley Dr Fredericksburg, VA 22407
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About this home
Beautiful 2017-Built Home with Assumable 2.75% VA Loan & Paid-Off Solar Panels! Welcome home to modern comfort, energy efficiency, and thoughtful design — all in this beautiful, established Fredericksburg community. This stunning home, built in 2017, offers the rare opportunity to assume a USAA 2.75% VA loan, plus seller-paid solar panels at closing — an incredible combination of savings and sustainability! The chef’s kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, a gas cooktop, double ovens, tile backsplash, and recessed lighting. The large island with a double sink and seating space is perfect for casual dining or entertaining. The open-concept family room is inviting and spacious, complete with a gas fireplace, wired speaker system, and crown molding throughout the main level. Step outside to a Trex deck with vinyl and metal spindles—ideal for weekend gatherings. Or enjoy morning coffee on the front porch! Enjoy formal dinners in the elegant dining room, highlighted by chair rail molding and shadow boxing, or work from home in the private office with French doors, large windows, and a ceiling fan for comfort. Upstairs, the owner’s suite is a true retreat with dual walk-in closets, plush carpet, ceiling fan, and in-room speaker control. The luxury ensuite bath features a granite vanity with dual sinks, tiled shower with glass door, tile flooring, and a linen closet. The second bedroom offers its own private bath with granite vanity, shower/tub combo, and a walk-in closet — perfect for guests or family. The third and fourth bedrooms are also on the upper level. Enjoy tge soacious loft as well, to relax or use as an office space. The laundry room on this upper level which includes a washer and dryer (5 years old), cabinetry, shelving, and vinyl laminate flooring for easy care. The finished basement expands your living space with a large recreation room, the 5th bedroom with walk-in closet, and full bath featuring ceramic tile and granite finishes. Recessed lighting, built-in speakers, and French doors leading to a walk-up exit make this a perfect space for movie nights or guests. The unfinished area provides excellent storage and includes the electric panel and 12 kW generator pre-wire. Additionally, there is a mudroom with engineered hardwood flooring and pantry, a spacious three-car garage with painted floors and dual openers (each with a remote), smart thermostats, exterior sprinkler system and mechanical systems including a gas furnace, gas water heater, sump pump, and dehumidifier. Located just 7 miles from the VRE and close to commuter routes, this home is part of a vibrant community offering a clubhouse, outdoor pool, basketball court, tot lots, and more! Energy-efficient, beautifully maintained, and move-in ready — this home truly has it all. Come and experience the perfect blend of style, comfort, and smart living.
Source: BRIGHT #VASP2036760
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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.