2235 Cartwright Pl, Reston, VA 20191
4 beds · 3 baths · 1,577 sqft
The best of Reston living awaits in this tastefully updated and move-in ready three-level townhouse! Desirable open plan living and wonderful sun-filled spaces greet you as you enter the living room. Walking past the open-tread stairwell you’ll find the updated granite and stainless kitchen with peninsula connecting to the dining area. The powder room, laundry room and under-stair storage round out the main level. Upstairs are three generously sized bedrooms with lovely views and an updated ceramic tile bathroom. The third floor boasts a primary bedroom suite overlooking the woods and featuring an en-suite updated ceramic tile bathroom. <br><br> The beauty of the house is more than skin deep! The current owner has made substantial and expensive updates including: 1. New (as of 2023) Lennox HVAC system with hospital-quality filtration system, including Nest smart thermostat control, new (as of 2024) 75 year architectural shingle roof, in addition to re-insulated attic and new attic fan, new (as of 2024) water heater and related copper piping, new (as of 2020, with further updates as of 2024) siding and insulation, new (as of 2024) breaker box and interior wiring, water softer and reverse osmosis filtration system, Lutron smart recessed lighting (2024) on 1st and 3rd floors, and new (as of 2024) fencing. <br><br> The rear yard is fully fenced and is ideal for entertaining and eating outdoors. Assigned parking comes with the home and plenty of guest parking is found out front. <br><br> Reston provides everything you could possibly need! Many parks with lakes, walking trails, playgrounds, playing fields and swimming pools. Shopping and dining are minutes away at multiple town centers within the community. Plus it’s just minutes to Metro for easy trips into Washington, DC and Dulles International Airport is just a short drive away!
Source: BRIGHT #VAFX2225202
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAFX2225202
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.