6026 Partingdale Cir North Chesterfield, VA 23224
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About this home
Charming Townhouse in Sought-After Newberry Townes! From the moment you step into the welcoming foyer, the spacious living room invites you in with its cozy setting with freshly painted walls throughout, and bright windows that flood the space with natural light. Just off the living room, the kitchen feeds into an open concept feel while offering a laminate countertops, a peninsula for extra prep space and well maintained appliances. The spacious dining room is right off the kitchen leading to a shared family room space, perfect for busy everyday living or special gatherings. A main-level powder room, coat closet, and pantry provide thoughtful convenience. Upstairs, you’ll discover the charm continues with a massive primary bedroom featuring fresh paint, with classic Jack-and-Jill access to the full bath leading to the second bedroom. While the third bedroom offers a bright, peaceful retreat for guests or family. The fully finished, walk-out basement adds exceptional versatility with a rec room that could serve as a media room, game room, or den boasting a gorgeous brick fireplace. An additional room on the basement level could easily be transformed into a fourth bedroom or office space. Plus, the full-sized laundry/utility room and an additional full bathroom make the lower level both functional and flexible. Brand new carpets and interior paint without! HOA amenities offer pool and clubhouse access, snow and trash removal, and yard maintenance.
Source: CENTRALVIRGINIA #2528235
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Close stress-free in 45 days, handled start to finish by Roam.
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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.