14095 Spring Creek Ln, Doswell, VA 23047
5 beds · 3 baths · 2,358 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome Home! This miniature homesteader's dream fuses adventure with comfort. The property features raised garden beds and a large, fenced plot where rows of annual harvests sit alongside mature plantings that yield grapes, berries, plums, figs, peaches, and pears. Thoughtfully designed with fencing and gates, this space is perfect for accommodating pets alongside goats, chickens, and more. Step inside to a welcoming layout that blends playful energy with refined living. The formal living room adorned with timeless Tuscan columns has been transformed into a dynamic play zone. When it’s time to relax, the family room provides an ideal setting for movie nights or enjoying your favorite tunes. The eat-in kitchen is a chef’s dream featuring a full pantry, large island, stainless steel farmhouse sink, and lovely garden views. The first-floor Primary Suite offers a serene retreat with a spacious walk-in closet and a private full bathroom. Two additional generously sized bedrooms, a full hall bath, and a convenient laundry/mud room create effortless single floor living perfect for a vibrant, active lifestyle. Venture upward to the loft, where a cozy book nook and built-in shelving overlook a dramatic two-story foyer. From the balcony, admire stunning views or enjoy quiet moments in adjacent large bedrooms with ample storage, ceiling fans, and sunny dormer nooks. One bedroom even includes a dedicated office/study space—ideal for pursuing creative projects or hobbies. Entertain guests on a spacious rear deck with built-in seating. The property's four-plus acres includes more than a third of a mile of private trails, a treehouse complete with spiral slide, and hidden fort tucked away in the woods. Tiered yard designed to evolve into formal gardens sits beside a fire pit. A detached shed complete with storage shelving and a dedicated area for yard tools. Enjoy your evenings on the front porch sipping your favorite beverage as the sun sets over the trees. This home offers a space to live fully and explore endlessly.
Source: CENTRALVIRGINIA #2509678
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2509678
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 and Equal Opportunity Act.