790 Winterberry Dr, Fredericksburg, VA 22405
6 beds · 4 baths · 4,569 sqft
This home truly delivers on style, space, sophistication, and location—come experience it for yourself! The beautiful brick front colonial is in an exclusive community just minutes from historic Fredericksburg. Designed for both elegance and comfort, this home offers numerous upgrades and six spacious bedrooms including one in the finished basement. Step into a grand two-story foyer that leads into a luxurious living space in one direction and dedicated office/study in the other. The living and dining rooms showcase exquisite Brazilian Cherry hardwood floors, prized for their durability and rich color. The gourmet kitchen is a chef’s dream, featuring a state-of-the-art “smart” double oven. Adjacent to the kitchen, the inviting family room is perfect for both leisure and entertaining. The expansive deck off the main level, spanning 500+ sqft is designed with character and charm, ideal for outdoor gatherings. Upstairs, the impressive primary suite with hardwood floors and high cathedral ceiling boasts three closets, an ensuite bath updated in 2020, and a cozy gas fireplace for added warmth and ambiance. A unique fifth bedroom off the primary bedroom can serve as an additional office, sitting room, or nursery. The lower level is a private retreat, featuring a spacious recreation room, a large sixth bedroom, a full bathroom, and additional storage space. The back yard is fully fenced, and the side-entry garage enhances the home’s curb appeal while maintaining the seamless beauty of the brick façade. Notable upgrades include major renovations to the kitchen, bathrooms, flooring (2020), a new roof (2022), heat pump (2023), air handler system (2023), furnace (2025), fresh paint, prewired to accommodate a generator, and a front yard sprinkler system. Enjoy the beauty of nature with parks within walking distance. Historic Fredericksburg offers fine dining, entertainment, and shopping just minutes away. With easy access to I-95 and VRE train stations, commuting to Quantico and Washington D.C. is made easier. Don’t miss out on this exceptional home!
Source: BRIGHT #VAST2037476
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 #VAST2037476
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.