15077 Haviland Ct, Woodbridge, VA 22193
5 beds · 4 baths · 3,586 sqft
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This is the home you have been waiting for! Found at the end of a cul de sac, this beauty overlooks not just one but two ponds. Enjoy nature in your own backyard with plenty of wildlife amongst the trees. Step inside to a glorious two-story foyer with copious amounts of natural light streaming in. The kitchen has been updated with granite countertops and stainless steel refrigerator and dishwasher that are less than 3 years old. Additional cabinets with extra counter space were added to the eat-in table space area. Through the bay window, you will be entertained by the many species of birds joining you for breakfast! Open to the kitchen is the family room which offers a wood-burning fireplace for those long, chilly nights. Exit these rooms to the deck and fenced, private backyard. This home provides a main level office/study or bonus room plus an adjacent full bath. The formal living room and separate dining room complete this level. Hardwood floors are found throughout the main level while the upper level has newer, high-quality carpet. This second level has a large primary ensuite as well as three good-sized bedrooms. The primary ensuite, with cathedral ceiling, has a huge, walk-in closet as well as a remodeled bathroom with luxury tile, soaking tub and skylight. On the lower level is a spacious rec room with a small kitchenette and bamboo flooring. A fifth bedroom NTC is currently being used as a yoga studio. Number four full bathroom is found here as well as a large storage space with plenty of built-in shelves. New windows and new vinyl shutters were installed on the front of the house in 2024. This beautiful home, in a picturesque setting, is move-in ready and won’t last long.
Source: BRIGHT #VAPW2090078
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAPW2090078
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.