17029 Hamilton Station Rd, Hamilton, VA 20158
3 beds · 5 baths · 3,291 sqft
Incredible Horse Property with Stunning Views in the Heart of Loudoun County. Nestled in the picturesque town of Hamilton, this rare property offers the serene country and horse lifestyle you've always dreamed of. Set at the end of a private road and surrounded by fellow horse enthusiasts, this custom-built home is a true gem. You are welcomed with a charming front porch with mahogany decking, and a natural stone facade. Inside, you'll find warm hardwood floors and a spacious kitchen with granite countertops, custom stained-glass cabinets, a farmhouse sink, and stainless-steel appliances. Adjacent to the kitchen is a spacious mudroom equipped with a double oven, sink, extra storage, and direct access to the two-car side-load garage. The dedicated dining room with custom built-ins opens onto a Trex deck, perfect for relaxing and entertaining while enjoying the scenic beauty that surrounds you. The main level also includes a spacious entryway, a bedroom with an ensuite full bathroom, and an additional half bath. The expansive, sunken lower-level family room offers tile floors, a wet bar, a wood stove, and large windows that provide stunning views of your fully fenced backyard and pastures. The upper level is filled with natural light and includes a large studio with French doors, offering stunning views of the barn and pastures. This flexible space can be used as an artist’s studio, homeschool area, office, den, or even an additional bedroom. The primary suite is a true retreat, complete with a sitting area, abundant closet space, and a custom bathroom featuring heated travertine floors, a marble shower, and granite finishes. The upper level also includes an additional bedroom with a full ensuite bathroom, as well as convenient upper-level laundry (new washer/dryer - 2023). The basement offers tons of additional storage space and features a full bathroom, as well as a finished room that is versatile enough to serve as an office, den, music room, or even another bedroom. Every room in this home offers gorgeous views of the pastures and surrounding countryside. Recent upgrades include a new shingle roof (2023), blow-in insulation(2023), new Velux skylights (2023), new gutters/soffit (2023), and a new water softener and UV light system were installed in the water treatment system (2024). This 10-acre property is a dream for anyone with horses, a love of nature, or a desire to run a horse training or boarding business. It features 8 acres of fully fenced pastures, a riding ring, separate paddocks, and direct access to the W&OD trail for easy rides into Purcellville. The barn is equipped with three stalls, a pony stall (2024), a tack room (2024), and plenty of space for a workshop or additional stalls. The barn was rewired in 2024 to provide electricity to each stall, making it possible to use fans and/or heated water buckets. Also in 2024, two "Bar Bar A" no-electric, no-freeze automatic horse waterers were installed, ensuring reliable water for the horses year-round. At the same time, a new hydrant was added at the stalls in the west pasture, and several tube gates were installed around the property to improve the flow of movement from one area to another. Two additional stalls were added to the west pasture run-in shed in 2023, bringing the total to four stalls, and a new roof was installed on the run-in shed in 2023. In 2022, three-board horse fencing was installed along the southern property line, and the backyard was fenced in at the same time. This amazing property is located minutes away from Rt 7, dining, shopping, farmers markets, and wineries. This is a non-HOA property, though it does have covenants, and 9 of the 10 acres are currently in land-use status.
Source: BRIGHT #VALO2089620
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Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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Rates and payments are estimates based on public records.
Source: Public records
Source: BRIGHT #VALO2089620
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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.
How do I qualify for an assumable mortgage?
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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