VA loan
1 of 30
VA loan

4916 Upland Dr, Alexandria, VA 22310

3 beds · 2 baths · sqft

Updated Charm! From the moment you step inside this adorable home, you'll appreciate the sun filled open concept complete with LVP throughout for easy maintenance and durability. During the winter months you'll appreciate the wood burning fireplace that was just relined in 2022! The kitchen was remodeled in 2020 and features SS appliances, quartz counters and soft close cabinets. The island adds additional counter space which is ideal for meal prep, dining, or entertaining. As you progress down the hall, three bedrooms await, as well as a newly renovated "wet bath" which is sleek and modern. The second bedroom enjoys a custom built desk ideal for a home office or art room. The owners bedroom is located at the back corner of the home for more privacy, and features built in shelving and closets for more storage. The owners bedroom also enjoys an onsuite bath that was remodeled in 2022 into a more modern style. After a long day at work step outback into the backyard oasis! The backyard is fenced and contains lush plantings that create a tropical feel all summer long. You'll also enjoy the firepit area, perfect for entertaining, or roasting marshmallows. And for additional storage, the custom built shed conveys. You'll find this home is truly move-in ready and ideally located within minutes to shopping, dining, public transportation, and the beltway. WELCOME HOME! (updates: 2009roof with 30 year shingles, kitchen 2020, 2022: bathrooms, tankless hot water heater, recessed lighting, ceiling fans, paint throughout, LVP flooring in bedrooms, chimney relined, patio/firepit, shed, landscaping. ) OFFERS DUE NOON, TUESDAY, 11TH.

Location
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Details
Home
Lot size
0.25 acres
Year built
1957
Type
Single Family Residence
HOA dues
$0.00

Source: BRIGHT #VAFX2220204

Who can qualify

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%. 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.

Other resources
Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

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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.

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Last updated: Mar 07, 2025 06:28 pm
Listing agent: Fran Slade (904) 476-2691
Listing provided courtesy of: Compass (703) 229-8935
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAFX2220204
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.