8499 Anderson Ct Mechanicsville, VA 23116
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About this home
Nature lovers paradise! If you are looking for a unique property that is far from the ordinary, you are in the right place. Let's start with the location. Nestled on 2.3 PRIVATE ACRES and backing to Kersey Creek, the setting is just stunning. Outdoor lovers will fall in love instantly with this property. There is a two car detached garage with electricity that is perfect to park your cars or for a workshop. The pole barn behind the garage has room for additional car parking and provides tons and tons of storage. So many possibilities for this space! No HOA and plenty of room to park boats, cars, and equipment on the grounds. Wrapping the house you will find approximately 1,000 sq ft of decking with fabulous view of Kersey Creek. There is literally no better place to relax and take in the water views and the beauty of this property. A private deck coming off of the primary bedroom suite is the perfect spot to sip coffee in the morning and watch the birds. The house is just as unique as the location. Large, rambling one-level ranchers are just lot easy to find and this one has so much to offer. Lots of vaulted space with skylights give the home an open, airy feel with a great sense of volume. The great room and family room each have a gas fireplace and offer lots of options on how to configure your living spaces. The kitchen has rich wood cabinets and new granite tops. The spacious primary suite boasts a vaulted ceiling, an extra large walk-in closet, and a luxury private bathroom. Rounding out the home are three additional bedrooms and two full baths. Even more storage can be found in a basement level storage room under the deck. New roof 50 year roof installed approximately 8 years ago and new HVAC installed 2 years ago.
Source: CENTRALVIRGINIA #2528811
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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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