9178 Hannah Dustin Ln Catlett, VA 20119
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About this home
Peaceful country retreat, a gardener's paradise or a homesteaders' dream, with 3 bedrooms, 2.5 bathrooms, and 4.5 acres, located just outside the village of Casanova. Step inside through the screened front porch and into the inviting living room, complete with a wood-burning fireplace, plantation shutters, and elegant, low-maintenance LVP flooring. This flooring flows seamlessly into the dining room and the beautifully remodeled kitchen, featuring new cabinetry, quartz countertops, a stylish tile backsplash, and stainless steel appliances. From the kitchen, step out onto the composite deck and enjoy the fenced backyard. The bedrooms are equipped with engineered hardwood floors and ceiling fans for added comfort. The primary bathroom has been tastefully updated with modern finishes. The spacious lower level offers a large recreation room with LVP flooring, plus access to the oversized 2-car garage with insulated doors. Additional storage and vehicle space are provided by a detached 2-car garage and a carport. With solar power installed in 2016 (owned, not leased) and a battery backup system added in 2018, the home boasts nearly zero energy bills in the summer months. Starlink equipment is available for negotiation. Conveniently located, the VRE station is just 25 minutes away, and Old Town Warrenton is a quick 15-minute drive. Horse boarding (self) available next door! Mailing address is a Casanova post office box (No USPS delivery available to house). Seller may consider a VA assumption of loan at 3.375% by a VA eligible purchaser only with acceptable terms and sufficient gap funds (>50% of sales price).
Source: BRIGHT #VAFQ2018142
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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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