Location, and lifestyle come together in this stunning 4-bedroom, 3.5-bath home in the highly desirable Embrey Mill community of Stafford, VA—one of North Stafford’s premier neighborhoods known for exceptional amenities, community events, and commuter convenience. Ideally situated just minutes to I-95, Quantico, commuter lots, shopping, dining, and the Virginia Railway Express, this location offers the perfect balance of neighborhood charm and everyday accessibility. Boasting three finished levels and a highly sought-after open floor plan, this home offers the flexible space today’s buyers demand with room to live, work, entertain, and unwind in style. From the moment you enter, you are greeted by bright natural light, spacious gathering areas, and modern finishes that create a warm yet elevated feel throughout. The heart of the home is the expansive open-concept main living area where the family room, dining space, and kitchen flow seamlessly together—perfect for entertaining guests, holiday gatherings, or everyday life. Upstairs, the bedrooms offer comfort for family and guests, while the spacious primary suite creates a private retreat complete with an en suite bath and ample closet space. The finished basement expands your possibilities even further with room for a media space, recreation room, home gym, guest suite, or additional entertaining area. Step outside and prepare to fall in love with the custom outdoor living. The large rear deck offers an additional area to entertain, grill, gather or simply relax in your own backyard escape. This is outdoor living done right. Adding to the home’s charm is the desirable rear-entry two-car garage, enhancing curb appeal while maintaining the inviting streetscape that makes Embrey Mill so attractive. Living in Embrey Mill means enjoying resort-style amenities including multiple pools, community clubhouse, fitness center, dog parks, playgrounds, walking trails, bistro café, and year-round neighborhood events—all contributing to one of Stafford County’s most sought-after lifestyles. If you have been searching for a move-in ready home with space, style, outdoor entertaining, and an unbeatable Stafford location, this Embrey Mill beauty delivers.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
