Welcome to 512 Crab Apple Drive, an exceptional 5-bedroom, 4.5-bathroom Stanley Martin built home nestled in the premier planned community of Embrey Mill in Stafford, Virginia. Showcasing a beautiful neutral palette throughout, this move in ready home offers the perfect blend of luxury, function, and flexibility across three thoughtfully designed levels. Step inside to a bright and welcoming main floor featuring a versatile front flex room ideal as a home office, formal sitting area, or playroom, along with a dedicated mudroom to keep daily life organized. Toward the rear of the home, a generously sized living room with a coveted 4-foot added extension provides abundant space for entertaining, all bathed in loads of natural light. The gourmet kitchen is truly the heart of this home, showcasing upgraded white cabinetry, a large center island, stainless steel appliances, a 5 burner gas range, upgraded double wall ovens, and a large stainless steel farmhouse sink perfectly positioned beneath a window with a serene view. A spacious walk-in pantry rounds out this exceptional kitchen. Upstairs, a loft area creates the perfect second office or study space, ideal for remote workers or students. Four bedrooms grace this level, anchored by a luxurious primary suite complete with double walk-in closets and a spa-like ensuite featuring a walk-in shower, double sink vanity, and private water closet. A standout bonus on this level is the private princess/prince suite, a secondary bedroom with its own ensuite full bathroom, perfect for guests or older children. The finished lower level offers a large recreation room with a staircase leading directly to the expansive fenced in backyard, along with a fully finished 5th bedroom with egress window and a full bathroom, ideal for guests, in laws, or multi generational living. This home has more upgrades throughout to include a front yard and backyard irrigation system making spring and summer yard maintenance that much easier. Located in Embrey Mill, one of Northern Virginia's most desirable planned communities, residents enjoy amenities including two community pools, a community café, fitness center, dog parks, community garden, scenic walking and biking trails, tot lots, parks, and a dedicated HOA who coordinates year round events. Conveniently situated near I-95, Route 1, and the Brooke VRE commuter rail station, Embrey Mill offers easy access to Quantico, the Pentagon, and Washington D.C., all while being served with shopping and dining just minutes away. If you are searching for homes for sale in Stafford VA or Embrey Mill real estate, 512 Crab Apple Drive is an opportunity not to be missed. Schedule your private tour today.
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.
