9185 Big Springs Loop, Bristow, VA 20136
5 beds · 4 baths · 2,872 sqft
Welcome to this beautifully maintained 5-bedroom, 3.5-bath colonial in the heart of the highly sought-after Victory Lakes community. This spacious and light-filled home features elegant crown molding throughout the main level and primary bedroom, gleaming hardwood floors, and a functional open layout perfect for both entertaining and everyday living. The kitchen offers warm oak cabinetry, a center island with gas cooktop, and double wall ovens, an eat-in kitchen area, flowing seamlessly into the cozy family room with a gas fireplace and access to the expansive ¾-width Trex deck with a gazebo—ideal for relaxing or hosting guests. Upstairs, the oversized primary suite offers a tranquil retreat with a sitting area, walk-in closet, and a luxurious en-suite bath featuring dual vanities, a soaking tub, and a separate shower. Three additional bedrooms and a full hall bath complete the upper level, which also features brand-new carpet installed in February 2025. The fully finished walkout basement provides a spacious rec area, a private fifth bedroom, and a full bath—perfect for guests, in-laws, or a home office—along with new luxury vinyl plank flooring added in July 2024. Additional highlights include a new garage door (2020), washer and dryer (2020), an upgraded exterior security system (2024), and a charming front porch and backyard storage shed. The home is located in a vibrant, family-active community with access to outdoor pools, tennis and sports courts, walking and jogging trails, stocked fishing lakes, tot lots/playgrounds, a dog park, fitness center, and clubhouse. You’ll love being just minutes from the VRE and Metro Bus, a variety of shops and restaurants, Jiffy Lube Live, and multiple national parks including Manassas Battlefield; with Prince William National Forest, the National Mall, National Zoo, and Shenandoah National Park within an hour's drive. This home offers comfort, space, and a prime location—don’t miss out! Don’t miss your opportunity to call this Victory Lakes gem your own!
Source: BRIGHT #VAPW2090930
Source: BRIGHT #VAPW2090930
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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.