2107 Hemlock Bay Rd, Dumfries, VA 22026
4 beds · 4 baths · 2,078 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled within the esteemed Potomac Shores community in Dumfries, Virginia, this meticulously maintained townhome with fenced yard offers a harmonious blend of elegance and functionality. The stately front facade opens to reveal an open concept living space adorned with exquisite flooring, and plenty of windows-creating a bright and airy ambiance throughout. The eat-in kitchen features granite countertops, an expansive island, stainless steel appliances, a spacious pantry, and an abundance of cabinetry and counter space, making it a chef's delight. Adjacent to the kitchen, the generous breakfast nook and living room provide ideal spaces for relaxation and entertainment. A well-appointed half bath adds to the convenience of this level. Upper-level living offers an elegant primary bedroom which boasts a roomy walk-in closet and an en suite bath complete with a double vanity, walk-in shower, and toilet area. Two spacious bedrooms share a full guest bath, ensuring comfort for family and guests alike. The upper level also includes a laundry area, enhancing the home's functionality. The lower level has a sizable room that offers flexibility to serve as a fourth bedroom, playroom, office, or media room, adapting to your lifestyle needs. This level also features a half bath and direct access to the two-car garage, that includes an extra storage nook for your convenience. Complete with a fenced in yard, this townhome harmoniously combines refined living with the unparalleled amenities of Potomac Shores, offering an exceptional lifestyle! Photos Taken 4/2/2025. More about Potomac Shores… Potomac Shores offers a wealth of amenities, including the Shores Club—a private social and recreational center featuring a modern fitness barn, competition pool, and various social spaces. Residents can enjoy the Woods Rec Center, multiple sports fields and courts, miles of walking and biking trails, and the Canoe Club with a 100-foot pier for boating and fishing on the Potomac River. The Potomac Shores Golf Club, designed by Jack Nicklaus, offers an 18-hole championship course with dramatic vistas and elevation changes, providing a premier golfing experience. The community is strategically located near shopping centers, dining establishments, and recreational options, ensuring that all your needs are met. Schedule to view now-this beauty will not last!!!
Source: BRIGHT #VAPW2091042
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAPW2091042
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.