2228 Red Pine Loop, Dumfries, VA 22026
4 beds · 4 baths · 3,436 sqft
Location, Location, Location! Featuring a rare and highly desirable 2.75% VA Assumable Interest Rate—an incredible opportunity to own this stunning home at an unbeatable value! Step into effortless luxury with this beautifully designed home offering over 3,300 square feet of elegant living space. From the moment you enter the grand two-story foyer with a sweeping staircase, you’ll be captivated by the home’s sophisticated charm. Gleaming dark wood floors and stunning granite countertops set the tone for modern elegance in the gourmet kitchen, which boasts premium stainless steel appliances, a gas cooktop, double ovens, and a spacious breakfast room—perfect for casual dining or entertaining. The adjacent laundry room features new high-efficiency washer and dryer, adding convenience to everyday living. The main-level primary suite is a private retreat, offering a spacious walk-in closet, an oversized shower, and a dual-sink vanity for a true spa-like experience. The soaring two-story family room seamlessly connects to the expansive Trex deck, making indoor-outdoor living a breeze. Enjoy shaded relaxation with the Sundowner electric awning, installed in 2022, and take in the peaceful surroundings. Electric window treatments in the living area add a modern touch of convenience and style. Upstairs, you’ll find three generous bedrooms, a full bath, and a bright loft area that overlooks the family room below, offering additional living space. The fully finished walkout basement is an entertainer’s dream! Flooded with natural light, this level features a state-of-the-art media room with a 100” 4K projector TV and an immersive Dolby surround sound system that conveys with the home—perfect for movie nights and game days. The basement also includes plumbing for a future wet bar, a spacious family room, and a bonus storage area. Step outside to the beautifully designed backyard, complete with a stamped concrete patio and a built-in seating bench, ideal for outdoor gatherings and serene evenings. This home comes packed with upgrades, including a full-home security system for peace of mind and a sprinkler system to maintain the lush landscaping effortlessly. Nestled in the prestigious Potomac Shores community, this home offers an unmatched lifestyle. Enjoy world-class amenities, including the Jack Nicklaus Signature golf course along the Potomac River, a planned Day to Night Town Center, and the upcoming VRE rail station for easy commuting. With a vibrant social calendar and top-tier amenities, Potomac Shores is the ultimate place to live, work, and play. Don’t miss this extraordinary opportunity—schedule your private tour today and make this dream home yours!
Source: BRIGHT #VAPW2090292
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: BRIGHT #VAPW2090292
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.