7705 Offshore Dr Chesterfield, VA 23832
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About this home
Back on the Market, Fully Refreshed and Ready to Impress! The wait is over! This adorable 2-story cottage is back on the market, more charming and move-in ready than ever before. Perfectly nestled in the highly sought-after Ashbrook neighborhood and zoned for the top-rated Cosby High School district, this home was temporarily withdrawn to undergo a beautiful transformation. Step inside and be greeted by a space that feels brand new, boasting plush new carpet and fresh, professional paint throughout that creates a bright and welcoming atmosphere. The HVAC system has been recently serviced for year-round comfort, and meticulous small fixes have been made to ensure every detail is perfect. The full front porch is the ideal spot for sipping your morning coffee, while the sun-drenched living room, with its soaring vaulted ceilings and cozy electric fireplace, will make you feel right at home. The semi-open floor plan flows seamlessly into a galley kitchen featuring sleek stainless steel appliances. The eat-in area offers easy access to the deck, perfect for grilling and entertaining. The first floor provides a private retreat with a primary bedroom and an en-suite bath. Upstairs, you'll find two additional bedrooms and another full bathroom. Outside, your backyard oasis awaits, complete with a deck, built-in seating, and a patio area below, all enclosed by a privacy fence—a perfect spot for summer barbecues or a game of catch. With the neighborhood lake and playground just a short stroll away, you’ll truly feel like you're part of a vibrant community. This is more than a house—it's a home that has been lovingly prepared for its next owner. Come see the stunning improvements and discover the even better value this home now offers!
Source: BRIGHT #VACF2001254
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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.