Nestled on a private 3-acre wooded homesite in Stafford County, this stunning 2018-built residence offers the perfect balance of refined living, modern convenience, and natural beauty. Ideally situated near Crow's Nest Natural Area Preserve, Aquia Landing Park, and the Brooke VRE Station, the property provides a peaceful retreat while remaining conveniently connected to Quantico, Fredericksburg, and Northern Virginia. A dramatic two-story foyer welcomes you into a thoughtfully designed floor plan enhanced by hardwood flooring, elegant crown molding, abundant natural light, and spacious living areas throughout. The main level features a private office, formal living room, expansive family room, and seamless flow for everyday living and entertaining. At the heart of the home, the gourmet kitchen showcases upgraded countertops, tall soft-close cabinetry, stainless steel appliances, a gas cooktop, large pantry, and an oversized center island. The adjoining breakfast area opens to a spacious rear deck overlooking the wooded backyard, creating a private outdoor setting perfect for morning coffee, evening gatherings, or simply enjoying the surrounding landscape. The upper level offers four generously sized bedrooms, including a luxurious primary suite with vaulted ceilings, multiple closets, a walk-in closet, and a spa-inspired bath featuring dual vanities, a soaking tub, and separate shower. A Jack-and-Jill bath serves two secondary bedrooms, while the conveniently located upper-level laundry room adds everyday practicality. The finished lower level expands the home's versatility with abundant recreation space ideal for a home theater, fitness studio, game room, or additional living area, complemented by a full bathroom. An oversized two-car garage with epoxy flooring completes the package. This home presents with the look and feel of new construction. The rare combination of privacy, acreage, and accessibility creates an exceptional lifestyle opportunity—offering the tranquility of a secluded woodland setting with effortless access to Northern Virginia's premier conveniences and commuter corridors. Coming Soon. Professional photography to be released soon.
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.
