10443 Centralia Station Rd, Chester, VA 23831
5 beds · 4 baths · 3,103 sqft
This beautifully upgraded home truly has it all. Step into an inviting open-concept floorplan that showcases a gourmet kitchen with granite countertops, an abundance of cabinet space, stainless steel appliances, a center island with bar seating, and a walk-in pantry—perfect for both everyday living and entertaining. The kitchen flows seamlessly into a large, sunlit family room with a tucked-away bonus study, ideal for remote work or homework sessions. The first floor also features formal living and dining rooms, a convenient half bath, and plenty of storage throughout. Thoughtful upgrades include extensive recessed lighting, custom trim in the foyer, soaring 9-foot ceilings, and durable, stylish LVT flooring throughout the home. Upstairs, you'll find five spacious bedrooms and three full bathrooms, along with the convenience of second-floor laundry. The luxurious primary suite offers two oversized walk-in closets, an ensuite bath, dual vanities, and an upgraded walk-in shower. Enjoy the outdoors in style with a charming covered front porch, a huge level fenced backyard that backs to trees for added privacy, and a spacious deck with privacy wall—perfect for relaxing or entertaining on your private lot. Additional exterior features include a side-load garage, full yard irrigation, a whole-house generator, and a custom kids’ play set. Don't miss this opportunity to own a turn-key home packed with upgrades and space to grow!
Source: CENTRALVIRGINIA #2509503
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2509503
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.