Luxury awaits at the end of the cul-de-sac in Stafford. This luxury home on 5+ private acres offers space, privacy, and long-term comfort in one of the most desirable areas of 22554. Built in 2021, this over 5,000 square foot home shows like a model and features 5 bedrooms and 4.5 bathrooms designed to grow with you for years to come. Thoughtful custom upgrades and smart-home technology are already in place — meaningful investments that allow you to move in and immediately enjoy efficiency, convenience, and peace of mind. Just off the entry, a private home office with French doors creates the ideal work-from-home space, executive study, or creative studio. A separate living room offers flexibility for a formal sitting room, library, or music space and has custom woodwork, shelving and cabinetry. The heart of the home is a true open-concept floor plan where the kitchen flows seamlessly into the living room, creating a bright and expansive main living space ideal for entertaining. The walk in pantry is truly to be experienced and you have a mudroom area off the garage which provides a great space for additional storage or prep area. A brilliant transitional space keeps sightlines open while defining each area with purpose. A striking wood accent wall, elegant designer lighting, and a large center kitchen island anchor the room beautifully. Natural light fills the space, creating the kind of polished look you’d expect in a luxury design magazine — or your Dream Home Pinterest board. Whether you’re hosting around the island or enjoying a quiet morning coffee with sunlight pouring in, the layout makes everyday living feel elevated. Upstairs, the primary suite feels like a private retreat. Entered through double doors, it is spacious, bright, and thoughtfully separated from the secondary bedrooms by an upstairs flex space. With a projector and discreet screen, you won't have to compromise on aesthetic in pursuit of comfort. The upper-level laundry room keeps daily routines convenient and efficient. The fully finished basement adds even more flexibility. With a private bedroom and full bathroom, it is ideal for multigenerational living, guest space, or extended stays. The lower level currently functions as an additional living room, recreation area, and gym, plus a separate flex room that can easily become a media room, home theater, studio, or private escape. Outside, enjoy 5+ acres of private land complete with playground equipment and room to create your own outdoor vision. Practical luxury continues with: • Solar panels paid off at closing • Tesla charger • Whole-house generator • Whole-home water filtration system • Electric air filtration • Ring security system with motion sensors • MyQ smart garage opener Located near I-95, Route 1, and Quantico Marine Base, with convenient access to Wegmans, Publix and shopping and dining in Stafford and Fredericksburg, this home offers both accessibility and privacy. Homes with this level of space, land, design, and upgrades rarely come available together. If you’ve been waiting for a property that truly stands apart, this is your opportunity. Schedule your private tour and experience it in person — you’ll know the moment you walk through the door.
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.
