24378 Virginia Gold Ln, Aldie, VA 20105
6 beds · 7 baths · 5,922 sqft
Step into Your Dream Home: The Stratford Hall Model! Welcome to a home that isn’t just a house—it’s a masterpiece of luxury, comfort, and thoughtful design. This Stratford Hall model, the most desired of its kind, has everything you could ever want and more! With six spacious bedrooms, six full bathrooms, and one half bathroom, every inch of this home is designed to wow. Main Level Marvels Prepare to be amazed by the main level, a show-stopper from the moment you walk through the door. The office is a vision of elegance, with French glass doors, custom built-in shelves, and ample storage space to make working from home a joy. The kitchen, however, is the crown jewel of this level—a cook’s paradise with gleaming white cabinetry, endless countertops, a stunning oversized island, and a seamless, high-end hood that blends perfectly with the design. Don’t forget the breakfast area for those sunny mornings and the custom butler’s pantry and mudroom that redefine convenience and style. But the excitement doesn’t stop there—the 2-story family room is pure magic, with soaring ceilings and a jaw-dropping fireplace that radiates warmth and charm. Bedroom #5, complete with an en-suite bathroom, adds even more flexibility to this extraordinary floor. Brand-New Basement Paradise Head down to the brand-new basement, where the fun begins! This space is an entertainment hub, boasting luxury flooring, a sleek new bar, and plenty of storage for all your needs. It’s a walk-out level, opening to a dreamy outdoor stone fireplace—perfect for cozy nights and lively gatherings. Plus, Bedroom #6 has its own full bathroom, offering privacy and comfort for guests or family. Upstairs: Bedrooms Fit for Royalty The upper level doesn’t disappoint, with four enormous bedrooms, each with its en-suite bathroom. The primary suite is a sanctuary, featuring a massive bedroom, a spa-like bathroom, and a spacious closet you’ll never want to leave. Outdoor Magic This home’s outdoor spaces are equally enchanting. The main-level deck is ideal for sunny brunches or quiet evenings, while the basement-level outdoor stone fireplace invites you to unwind under the stars. Don’t miss the chance to own this dream-worthy Stratford Hall model. With its incredible design, unbeatable features, and luxurious touches, this home will captivate anyone. Your dream life starts here—see it for yourself! This home is located in the award-winning Willowsford Community, framed by the natural splendor of Loudoun's wine country. The resort-style amenities include community events, outdoor beach entry swimming pools, a splash pad, a lodge, a fitness center, a lake, dog parks, tot lots, a sledding hill, and even a tree house! Don't miss the neighborhood farm stand/CSA. This is only a short drive to Brambleton Town Center and One Loudoun dining, shopping, and entertainment. Convenient access to Hal and Berni Hanson Regional Park(257 acres!), local farmer's markets, Wegmans, Dulles International Airport, and the lush Loudoun countryside - bustling with the latest wineries and breweries! Easy commutes to Dulles/Tysons/DC and Silverline METRO—highly sought-after Loudoun County public schools.
Source: BRIGHT #VALO2092318
Financials
Source: Public records
Source: BRIGHT #VALO2092318
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.
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 “Get Notified” 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 580, 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.