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121 Mountain Path Ln, Stafford, VA 22554
5 beds · 5 baths · 5,138 sqft
Wow! Big, bright, and open "Normandy" built by Ryan Homes in 2022 at the end of a cul-de-sac, backing to trees! True 5 BR 4.5 BA home with 5,138 finished sq ft on three levels! This home is less than 3 years old and offers spacious and luxurious with upgraded LVP flooring and high ceilings through the entire main level, plus extra recessed lights and crown moldings! Everywhere you turn, you'll find extra space, including a home office at the rear of the main level overlooking the trees, a finished 20'x14' bonus room upstairs that can be used as playroom or craft room, and a family entry room with arrival center off the garage. You'll enjoy cooking and entertaining in the white, open kitchen with quartz counters, stainless steel appliances, huge island with breakfast bar, and extensive counters and cabinetry! Step out onto the no-maintenance deck and relax in the sights and sounds of the woods behind the home. Oversized owner's suite upstairs with sitting area, deluxe bathroom with two vanities, soaking tub and separate shower! Bedroom Two has an ensuite full bathroom, while Bedrooms 3 and 4 share a full bathroom in the hallway. The upstairs laundry room has tile flooring, real cabinets, and front-loading washer and dryer, sitting on pedestals. The finished lower level includes a huge 31'x23' recreation room, 5th real bedroom with closet and full-size window, 4th full bathroom, a large unfinished storage/work out area, and a level walk-out to the beautiful rear yard, backing to trees! The home has two zone HVAC and is protected by a Generac 24kW backup generator, suitable for powering the whole house. It's just a short drive to the new Publix at Embrey Mill Town Center, where you'll find Five Guys, Panera, Auto Zone, WaWa, and more. A wide variety of restaurants, shops, and amenities can be found at the Doc Stone shopping center and along Garrisonville Road, and plenty of health and fitness activities at the awesome Jeff Rouse Swim & Sports Center and athletic fields at Embrey Mill Park off Mine Road. Easy access for commuters to reach 95 via either Route 610/Garrisonville Rd or Route 630/Courthouse Rd, or use the Brooke Road VRE station.
Source: BRIGHT #VAST2039322
Why Roam
Gap financing to lower your down payment
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAST2039322
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 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.
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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.
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