Sign in to see required down payment for the 4% rate
225 Smokebush Dr, Stafford, VA 22554
4 beds · 4 baths · 3,000 sqft
Shows Like a Model Home! Welcome to this stunning main-level living home in The Cascades at Embrey Mill! Thoughtfully designed and beautifully maintained, this home offers comfort, style, and space in all the right places. The warm and inviting family room features a cozy gas fireplace and flows seamlessly into the gourmet kitchen—complete with a gas cooktop, wall ovens, center island, quartz countertops, and ample prep space for entertaining or everyday living. Step outside to the 8' x 12' screened-in porch with low-maintenance TREX decking—perfect for morning coffee or evening relaxation. The spacious main-level primary suite features two walk-in closets and a spa-like bath with a glass-enclosed walk-in shower and double sinks. A drop zone and laundry room on the main level add everyday convenience. Upstairs, the loft offers a flexible recreation room, two additional bedrooms, a full bath, and extra storage. The finished lower level adds even more space, including a large recreation room, fourth bedroom, full bath, and more storage. Luxury vinyl plank flooring and quartz counters run throughout the home, creating a cohesive and elegant look. HOA includes access to all Embrey Mill and Cascades amenities—multiple pools, community gardens, event spaces, plus exclusive use of the Cascade Clubhouse, fitness center, and pickleball courts.
Source: BRIGHT #VAST2039452
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 #VAST2039452
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.
No credit check. Takes 2 minutes.