6163 White Oak Rd Sandston, VA 23150
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About this home
Beautifully situated in Sandston, this charming all-brick ranch rests on just over three acres of rolling grassy hills and open pastureland accented by mature trees, offering both peaceful views and a sense of privacy. This property is ideal for those seeking country living with suburban convenience—close to I-64 and I-295 for quick access into Richmond and beyond. A huge detached garage provides the perfect space for a workshop or vehicle storage, complemented by a wide driveway with room for guests or work vehicles, plus a detached shed for additional storage. Outdoor living shines with a full front porch for morning coffee and a newly painted rear deck for entertaining, all supported by the reliability of a whole-house generator. Inside, you’ll find a cozy den with a brick-surround gas fireplace and beamed ceiling, an inviting eat-in kitchen, a large laundry and mudroom, and three bedrooms including a primary suite with an updated tiled shower, along with a spacious hall bath and convenient half bath. Meticulously maintained by its current owners, this home also offers newer windows, a newer roof, a gas fireplace, a water purification system, and recent servicing of the septic and well. Whether move-in ready or awaiting your personal touches, this Sandston property offers a rare opportunity to enjoy tranquil land, modern comforts, and commuter convenience all in one.
Source: CENTRALVIRGINIA #2527058
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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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