13205 Thornton Dr, Gainesville, VA 20155
3 beds · 2 baths · 1,296 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Charming One-Level Rambler on ½ Acre with Stunning Views in the Heart of Gainesville! This lovingly maintained 3BR/2BA home offers the perfect blend of comfort, style, and functionality. Featuring a bright, open floor plan with premium vinyl flooring, recessed lighting, and abundant natural light, this home is ideal for both everyday living and entertaining. The spacious living, dining, and kitchen areas flow seamlessly, creating a warm and inviting atmosphere throughout. The updated kitchen boasts granite countertops, stainless steel appliances, and ample cabinet space. A large primary suite, cozy secondary bedrooms, and a versatile study (potential 4th bedroom) offer flexibility for any lifestyle. Enjoy stunning views from nearly every room, and take full advantage of the private, landscaped half-acre lot with a screened-in porch and expansive brick patio. Whether you're relaxing by the fire pit, growing a garden, or hosting BBQs, the backyard is a true outdoor oasis. Located in a peaceful, country-like setting near woods, yet just minutes from shops, restaurants, and commuter routes—this property offers farm-to-table living potential with space for gardening or chickens. A rare opportunity to own a home that combines thoughtful design, modern updates, and a truly special outdoor lifestyle.
Source: BRIGHT #VAPW2091354
Source: BRIGHT #VAPW2091354
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 and Equal Opportunity Act.