1428 Bird Watch Ct, Woodbridge, VA 22191
3 beds · 3 baths · 2,372 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Start your mornings on the brand-new Trex deck and take in the beauty of your updated backyard oasis, landscaped in 2020 for both privacy and relaxation. This spacious 3-bedroom, 2.5-bath, 3-level townhome with a 1-car garage offers exceptional upgrades, including a **new HVAC system (2020)**, **stainless steel refrigerator (2020)**, and **washer and dryer (2018)**. Step inside and discover one of the **largest models in the community**, featuring bump-outs on every level, custom wood trim, elegant wainscoting, and an abundance of natural light throughout. The fully finished Lower level Recreation Room is wired for surround sound—perfect for a cozy media room where you can enjoy a movie by the fireplace. Enjoy tranquil living with the **Potomac River and Featherstone Wildlife Preserve** right in your backyard, offering extra privacy and serene seasonal and Potomac views from your deck . The oversized primary suite includes a luxurious ensuite and walk-in closet, while the secondary bedrooms are light-filled and generously sized. Located just a short walk from the community clubhouse, you’ll enjoy access to a **resort-style pool, fitness center, billiards room, computer lounge, and party space**. Walk to the **Rippon VRE**, or take a quick drive to **Stonebridge Town Center, Wegmans, Leesylvania State Park, Neabsco Boardwalk, Veterans Memorial Park, IKEA**, and **Potomac Mills**. Commuters will love the proximity to **I-95, HOV access, and Washington, D.C. — just under 30 miles to Reagan National Airport**. Don't miss your chance to own this one-of-a-kind home in a prime location!********OPEN HOUSE Sunday 4/27 2-4pm*****************
Source: BRIGHT #VAPW2091934
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAPW2091934
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.