8910 Cross Chase Cir, Lorton, VA 22079
4 beds · 5 baths · 3,999 sqft
Sunday Open House is Cancelled. Welcome home to desirable Crosspointe! This stunning three-level home is perfect for multigenerational living, boasting a rare primary bedroom with its own sitting room and private deck on the main level! Step inside the entrance and you’ll fall in love with the dramatic cathedral ceilings and floor-to-ceiling windows bathing the home in natural light. Battery-powered blinds in the uppermost windows (2023) keep you comfortable as you get cozy by the gas fireplace with beautiful stone surround in the living room. Newer hardwood floors (2021) lead you into the dining room, a great size for intimate dinner parties or large family gatherings. Continue into the home and you’ll find the spacious, updated kitchen with sleek granite countertops, an oversized island bar, and stainless steel appliances, including a top end refrigerator with beverage center (2024). The main level primary bedroom, boasting a stunningly updated en suite bathroom (2022), peaceful sitting room or office, and its own deck for privacy. Plush carpeting (2021) leads you upstairs, where you’ll discover the second luxurious primary bedroom suite, complete with a handsome en suite bathroom and walk-in closet. Both additional bedrooms are sizable with large closets and shared access to the third full bathroom in the hallway. The lower level of the home offers an expansive recreation room, fourth full bathroom, and two huge unfinished rooms ready for you to customize. Step outside from the main level to sip your morning coffee or host a bbq with friends on your spacious wooden deck. Enjoy the peace and privacy of your private, fenced backyard on nearly half an acre of land, backing to common ground with large mature trees. On the front of the home, you’ll have plenty of space for additional storage and parking, with a 2-car garage and widened driveway. Major home updates include a new roof (2016), upstairs HVAC unit (2018), and plumbing (2025). The beautiful community of Crosspointe offers a wide array of amenities, including two outdoor pools, tennis, pickleball, biking trails, and a community playground. Steps to Halley Elementary School, and less than one mile to the Shoppes of Lorton Valley, where you can visit Giant Food, Starbucks, SweetFrog, Five Guys, and more! Just minutes to Springfield Town Center, Historic Occoquan, Potomac Mills, Occoquan Regional Park, Workhouse Arts Center, and Fort Belvoir. Quick access to Ox Road, I-95, I-495, Route 1, and the Fairfax County Parkway for easy commuting and traveling around Northern Virginia. Schedule a private tour of your gorgeous new home today!
Source: BRIGHT #VAFX2228926
Source: BRIGHT #VAFX2228926
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.