Welcome to 43 Adrian Way, an exceptional home where timeless elegance, generous space, and a serene natural setting come together on a private 1.19-acre cul-de-sac lot in the sought-after Deacon Road Estates community—just minutes from the VRE commuter lot for effortless commuting and convenient access to major routes, shopping, dining, and everyday amenities throughout Stafford. A charming front portico creates a warm and welcoming first impression, leading into a two-story foyer filled with abundant natural light. Rich hardwood floors extend throughout the foyer and into the inviting living room and elegant formal dining room, creating the perfect setting for memorable gatherings and everyday comfort. At the heart of the home, the beautifully updated kitchen is both stylish and functional, featuring refinished cabinetry, stunning quartz countertops, ample prep space, and a bright breakfast area bathed in sunlight. The kitchen opens seamlessly to the spacious and inviting family room, where oversized windows frame peaceful outdoor views and a cozy gas fireplace creates the perfect atmosphere for relaxing evenings and entertaining alike. A private home office on the main level offers the ideal blend of flexibility and convenience for remote work, study, or a quiet reading retreat. Upstairs, the luxurious primary suite is a true sanctuary. Unwind beside the striking double-sided fireplace, enjoy the private sitting area, and appreciate the expansive walk-in closets designed for both comfort and organization. Three additional generously sized bedrooms provide exceptional accommodations, including one with a private en suite bath and two connected by a convenient Jack-and-Jill layout. The mostly finished lower level offers incredible versatility with a spacious recreation area, full bath, and an enormous unfinished section ready to become a theater room, fitness studio, playroom, or additional living space tailored to your needs. Step outside to your own peaceful retreat—a stamped concrete patio overlooking a protected acre of mature woods and a tranquil stream. This rare and picturesque setting offers privacy, beauty, and endless opportunities to relax, entertain, and explore. With fresh paint, professional cleaning, and valuable recent updates including the roof (2021), HVAC systems (2022 & 2024), and water heater (2025), this meticulously maintained home is truly move-in ready. A seller-paid home warranty that will be transferred to a new owner adds even more confidence and peace of mind. Bright, refined, and beautifully updated with an unbeatable combination of comfort, charm, and natural beauty—43 Adrian Way is an extraordinary place to call home.
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.
