Welcome to 52 Evanston Ct — a true estate-style property set on over three private acres in Stafford’s Poplar Estates. Positioned well off the road and surrounded by mature trees, this home offers a rare combination of privacy and convenience, all within close proximity to shopping, dining, and major commuter routes. Inside, the home is designed with both everyday living and entertaining in mind. Hardwood flooring runs throughout the main level, complemented by formal living and dining spaces that add a sense of refinement while still feeling comfortable and livable. The kitchen serves as the center of the home, featuring granite countertops, a large island, double wall ovens, and a breakfast area that opens seamlessly to the family room with a gas fireplace. Just beyond, the sunroom brings in natural light and extends the living space in a way that feels intentional and connected. Upstairs, the primary suite offers a true retreat, complete with a walk-in closet and a well-appointed bath featuring a soaking tub, separate shower, and dual vanities. Three additional bedrooms and a full hall bath provide flexibility for guests, home office setups, or growing households. The fully finished walk-out lower level adds another layer of functionality, offering a spacious recreation area, a dedicated office or flex space, a full bath, and an additional non-conforming bedroom—ideal for extended stays or private guest accommodations—along with ample storage. Outdoor living is where this property separates itself. A rear deck overlooks the expansive, private grounds, leading to a patio and a beautifully integrated in-ground pool. This isn’t just a backyard—it’s a private outdoor retreat. Designed for both quiet evenings and larger gatherings, the setting takes full advantage of the property’s wooded backdrop and usable acreage, creating a space that feels both elevated and inviting. Properties that offer this level of privacy, land, and complete indoor-outdoor living are rarely available in such a well-connected Stafford location.
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.
