110 Oakwood Dr
Stafford, VA 22554
3 beds · 3 baths · 1,950 sqft
$510,000
Get prequalified110 Oakwood Dr
Stafford, VA 22554
3 beds · 3 baths · 1,950 sqft
$510,000
Get prequalifiedWelcome to 110 Oakwood Drive, a true hidden treasure in Heritage Oaks (no HOA!)— where style, comfort, and character meet in perfect harmony. This unique home exudes warmth, modern elegance, and one-of-a-kind personality from the moment you walk inside. The updated light fixtures, wall colors, and architectural features create a dramatic sense of space that sets this home apart. Step inside to discover soaring vaulted ceilings, rich wood flooring and beams, and an abundance of natural light streaming through skylights and bay windows. The inviting sunken living room sets the tone with its blend of openness and sophistication; the open area adjacent to and including the dining room features classy lighting and striking exposed brick that adds character and visual warmth. A main attraction of the home is the kitchen—anchored by a stunning brick masonry bar complete with built-in wine rack, NEW double wall ovens, NEW cooktop, granite countertops with an island. The room is illuminated by updated lighting and a wall of windows. Nearby, the spacious family room offers a cozy gathering space, complete with a wood-burning stove/fireplace, brick masonry surround, and raised hearth—perfect for relaxing and winding down or fun-filled entertaining. Upstairs, you’ll find the primary bedroom retreat featuring a vaulted knotty wood ceiling, skylight, sitting area, and a raised platform showcasing the private sleeping quarters. The primary bath has a jetted soaking tub, double vanities, and a standalone shower. Serene vibes make it a true oasis. Two additional bedrooms with vibrant flair and a NEWLY renovated hall bath complete the upper level. The upper hall's 2-story overlook provides a bird’s eye view of the open lower level. Step outside the French doors to enjoy a large, flat fenced rear yard with patio decking, mature trees, flowering bushes, and a shed for additional storage—ideal for entertaining or peaceful afternoons outdoors. Every inch of this home reflects the owner’s creative touch and custom design sensibility. Filled to the brim with charm and one-of-a-kind character, makes this a standout property that must be seen to be truly appreciated. If you're looking for a home that breaks the mold with character and style, this hidden treasure is it. Come see this charming gem, fall in love, and make 110 Oakwood Drive your new home!
Source: BRIGHT #VAST2039860
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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