VA loan
1 of 60
VA loan

11605 Havenner Ct, Fairfax Station, VA 22039

5 beds · 6 baths · 4,432 sqft

Concierge

Get a free consultation call with an expert in the mortgage assumption process.

**Contract Ratified - Open Houses CANCELLED** Welcome to 11605 Havenner Ct – one of the largest homes in the Fairfax Station neighborhood and a beautifully expanded Laurelwood model! Perched on a hill at the end of a quiet cul-de-sac and tucked deep into the community with no through traffic, this home offers exceptional space, privacy, and curb appeal. With just over 5,000 sq ft of finished living space, this 5-bedroom, 5.5-bath home offers room to live, work, and entertain in style across three thoughtfully designed levels. At the heart of the home is the expansive, open-concept kitchen—perfectly suited for hosting gatherings or simply spreading out. It boasts a large granite island, stainless steel appliances, gas cooktop, double oven, built-in microwave, wet bar, and a bright eat-in area that flows right into the family room. The family room is warm and inviting, with a stacked stone fireplace, slate hearth, and custom built-in shelving. Just off the kitchen and family room is a spectacular 431 sq ft 3-season room that dramatically expands the home’s living space. With oversized windows and sliding glass doors, it brings in an abundance of natural light and offers plenty of room to create both seating and dining areas—perfect for relaxing or entertaining while enjoying the beautifully landscaped backyard. Step outside to an expansive deck with a pergola—ideal for shaded outdoor dining—and a paver patio with a built-in gas grill, all nestled among mature trees on a peaceful 0.66-acre lot with thoughtful hardscaping. Inside, you’ll find a large formal dining room, elegant living room, and a dedicated office, offering flexible spaces for both daily life and special occasions. The two-story foyer is the architectural centerpiece, featuring a dramatic cathedral ceiling and a graceful curved staircase that sets a grand tone upon entry. Upstairs are four generously sized bedrooms, including a luxurious primary suite with a large walk-in closet and spa-like bath featuring dual vanities, a soaking tub, and a separate shower. A princess suite with a private full bath and two additional bedrooms with a shared hall bath complete the upper level. A fifth bedroom with en-suite bath is located on the main level—ideal for guests, in-laws, or an au pair suite. The spacious laundry/mudroom off the kitchen offers added convenience with built-in cabinetry, a sink, and folding space. You’ll also appreciate the tandem 3-car garage, which offers flexible space for vehicles, storage, a workshop area—or all three. The finished basement is full of potential and enjoyment—complete with a conveying full-size pool table ready for game night, a wet bar, a second wood-burning fireplace, a full bathroom, and a bonus room perfect for a guest room, craft space, or gym. There’s also a dedicated workshop, plenty of storage, and a convenient side exterior exit. Enjoy being less than a 10-minute drive from Burke Lake Park and Golf Center, offering scenic trails, boating, mini-golf, and a driving range. You're also just minutes from historic downtown Clifton, full of small-town charm, top-rated dining, boutique shopping, and year-round community events. Commuters will appreciate the easy access to major routes including Route 66, Fairfax County Parkway, Route 123, and I-395, making travel throughout Northern Virginia and into D.C. convenient and efficient. Located in a picturesque, park-like community with rolling hills, wooded trails, and a scenic pond, residents also have the option to join the neighborhood swim and tennis club. Enjoy a vibrant community calendar with pool parties, adult happy hours, float nights, and the Fairfax Station Flyers swim team. This is a rare opportunity to own a truly exceptional home in one of the area's most desirable neighborhoods! Seller reserves the right to accept an offer at any time. Robinson High School Pyramid.

Location
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Loan details
Monthly payment

All values shown are estimated costs / mo.

Total
$3,656
Principal & interest
$2,702
Mortgage insurance
-
Property taxes
-
Home insurance
-
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
4,432 sqft
Lot size
0.66 acres
Year built
1983
Type
Single Family Residence
HOA dues
$25.08

Source: BRIGHT #VAFX2230984

Qualify

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.

Resources
Frequently asked questions

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.

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Last updated: May 02, 2025 11:16 am
Listing agent: Jonathan Hurley (703) 930-2372
Listing provided courtesy of: Samson Properties (703) 378-8810
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAFX2230984
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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