1031 Harbour Dr, Stafford, VA 22554
4 beds · 3 baths · 2,320 sqft
••VETERAN ASSUMABLE LOAN••2.75%••Move In Ready, 4BR, 2.5BA, 2 Level Colonial with Level Yard & Driveway in First Section of Amenity Filled Aquia Harbour! Highlights and Features Include: NEW Paint Throughout Entire House; Hardwood Flooring Throughout The Main Level; NEW Carpet Throughout the Upper Level; Foyer w/Insulated French Entry Doors; Living Room & Dining Room w/Hardwood Floors & Crown Molding; Kitchen w/Raised Panel Cabinetry, Breakfast Bar, Wall Oven, NEW Dishwasher & TWO Pantries; Breakfast Room w/Ceiling Fan; Sunroom w/Vaulted Ceiling, Skylights & Double Panel Atrium Door to Rear Deck; Family Room w/2 Story Vaulted Ceiling, Ceiling Fan w/Light, Recessed Lighting, Bay Window & Wood Burning Fireplace w/Mantel & Wood Stove Insert(2024); Laundry Room w/Utility Sink & Door to Garage & the Half Bath The Main Level. The Upper Level Features Primary Bedroom w/NEW Carpet, Ceiling Fan w/Light & Walk In Closet; Attached Primary Bath w/UPDATED Vanity w/Dual Vessel Sinks & Storage & Tub/Shower; Bedrooms 2, 3 & 4 have NEW Carpet, Ceiling Fan w/Light & Double Door Closets; Hall Full Bath w/Tub/Shower w/Tile Surround & Skylight Complete the Upper Level. Additional Highlights Include Covered Concrete Front Porch w/Brick Steps; 2 Car Garage w/Insulated Doors, Built in Shelving & Door to Side Yard; Fenced In Rear Yard w/Tiered Rear Deck NEWLY Cleaned, Prepped & Sealed; RECENT Fully Encapsulated & Conditioned Crawlspace w/Sump Pump; NEW 50GAL Water Heater (2025); Heat Pump(2009) w/UV Light Cleaner(2023); Roof(2016); NEW Blown In Insulation (2024); NEW Woodstove & Double Stainless Steel Chimney Liner(2024). Just Seconds to the Front Gate & Close to Marina, Harbour Inn Pool, Dog Park, Stables, Walking Trails & Quick Access to 95, Shopping, Quantico and More. Aquia Harbour Amenities include Two Pools; State Certified Police Force; Fire Dept; Marina w/Boat Ramp & Fishing Pier; Kayak/Canoe Launches; Golf Course w/Pro Shop, Putting Green, Driving Range & the World Famous Clubhouse @ Aquia Harbour Restaurant; Dog Park; Horse Stables, Riding Areas/Trails & Pens; Secure Storage Lot; Community Garden; PreSchool; Fishing Park; 8 Other Parks w/Tot Lots, Tennis, Basketball & Abundant Wildlife Including Bald Eagles, Foxes and much more!!!***Any Offer Submissions Prior To and Over the Weekend Need to be Received by Sunday Night 7/6 for Review and Response on Monday 7/7***
Source: BRIGHT #VAST2040248
Source: BRIGHT #VAST2040248
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 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.