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12752 Effie Rose Pl, Woodbridge, VA 22192
5 beds · 4 baths · 3,919 sqft
Discover a rare gem in the heart of the amenity-rich Reid’s Prospect community—this spacious, move-in-ready home is perfectly designed for both everyday comfort and exceptional entertaining. One of its most standout features is the walkout, fully finished lower-level suite, complete with a full second kitchen, bedroom, bonus room, office, full bath, and expansive storage space. Whether used for multi-generational living, long-term guests, or rental income, this level offers unmatched flexibility and privacy. Step outside to your own serene retreat: a sprawling patio and elevated deck that back to lush, wooded views—ideal for morning coffee, weekend barbecues, or quiet evenings surrounded by nature. Inside, the home shines with gleaming hardwood floors, a gourmet kitchen with granite countertops, and a light-filled breakfast room on the main level. The second floor features five generously sized bedrooms and 3.5 bathrooms, providing ample space for family and guests. All appliances were updated in 2023 and remain under warranty. Freshly painted throughout, including the garage, this 4,200+ square foot home is truly turnkey. Enjoy convenience to top-rated Prince William County schools, shopping, parks, and major commuter routes—this is a home that balances peaceful outdoor living with suburban accessibility. Words do not describe the beauty of this home - it must be viewed in person to get the full experience! Call for a showing or for more information - it won't last long!
Source: BRIGHT #VAPW2095684
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 #VAPW2095684
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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