811 Long Point Rd Hague, VA 22469
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About this home
Nestled in the charming Ragged Point community, this exquisite Cape Cod-style home offers a perfect blend of comfort and modern living. Built in 2006, this meticulously maintained, updated, and upgraded residence boasts four spacious bedrooms and three full bathrooms, making it an ideal sanctuary for those seeking both space and style. Step inside to discover an inviting open floor plan that seamlessly connects the family room and kitchen, creating a warm atmosphere for gatherings and everyday living. The kitchen is a chef's delight, featuring upgraded butcher-block countertops, stainless steel appliances, and a chef's range that will knock your socks off! A pantry provides ample storage, while recessed lighting adds a touch of elegance throughout the space. The interior is adorned with a mix of luxurious vinyl plank, ceramic tile, and plush carpeting, ensuring comfort in every room. The primary suite(s) offer a private retreat with walk-in closets and an en-suite bathroom, perfect for unwinding after a long day. Additional features include 2-zoned heating & air and modern ceiling fans for year-round comfort. Outside, the property sits on a generous one-acre corner lot, providing plenty of space for outdoor activities and relaxation. Enjoy the fresh air on the expansive deck, porch, or patio, ideal for entertaining or simply soaking in the serene surroundings. The exterior also includes secure storage options, including a detached garage and additional outbuildings, including a swanky chicken coop, perfect for hen parties, hobbies, or extra storage needs. For those who appreciate the beauty of nature, this home is just minutes away from the Potomac River and Cole's Point Marina, offering water access for boating, kayaking, fishing, or dining along the shore. The peaceful setting is complemented by the convenience of a detached oversized garage with water/electric and ample driveway parking for guests, but the landscaping is EVERYTHING! Bees, birds, and butterflies will flock to your new yard for all the beautiful sweetness it has to offer; A flowering cherry, butterfly bushes, honeycrisp apple, fig, boysenberry, honeysuckle, wysteria, roses, dogwood, rosemary and more! This property is not just a house; it's a place to settle-in, celebrate, & create lasting memories and it's ready to welcome you home. Don't miss the opportunity to make this delightful residence your own!
Source: BRIGHT #VAWE2009630
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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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