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1040 Aspen Rd, Stafford, VA 22554
4 beds · 5 baths · 3,888 sqft
```NEW IMPROVED PRICE``````**** Seller credit of $8,000 to Buyer**********Veteran Assumable 2.75% VA Loan, PennyMac, Payment: $3,288, Approx. $526K Balance*** Welcome to Your Dream Home in Embrey Mill! This stunning, meticulously maintained home is nestled in the highly desirable Embrey Mill neighborhood. With 3,100 sq. ft. of fully finished living space spread over two levels and a walk-up basement, this Chatham Model by Integrity Homes is designed to impress. The open and inviting floor plan features a bright living room/study, formal dining area, convenient powder room, and a mud/laundry room—perfect for busy families. The heart of the home is the gourmet kitchen, equipped with a large island that’s ideal for meal prep and entertaining guests. The spacious family room with a cozy fireplace is perfect for relaxation and creating lasting memories. The second floor offers four generous bedrooms and three full bathrooms, including a luxurious master suite. The master bath is a true retreat, featuring a glass shower, dual vanities, and walk-in closets. The abundance of windows allows natural light to flood the space, creating a warm and inviting atmosphere. Start your mornings enjoying the view from the charming front porch, or step outside to entertain in your fully fenced backyard, featuring a stamped concrete patio—ideal for outdoor dining and relaxation. Your furry friends will love the dedicated dog run on one side of the yard! The lower level boasts a fully finished recreation room New Carpet (2025), a rough-in for a wet bar, and the potential for an additional legal bedroom once completed, making this space versatile for whatever your family needs. Take advantage of the many amenities that Embrey Mill has to offer, including scenic walking trails, a fitness center, dog parks, swimming pools, soccer fields, and easy access to Publix and a local cafe. Don't miss the chance to make this dream home yours—schedule a tour today!
Source: BRIGHT #VAST2037280
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 #VAST2037280
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.
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