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58 Twin Hill Ln, Stafford, VA 22554
5 beds · 5 baths · 5,608 sqft
Assumable VA loan! Enjoy sweeping views of the 2.19-acre lot from the expansive two-tier deck or through a stunning wall of Palladian windows that flood the main living area with natural light. The updated gourmet kitchen, remodeled in 2020, features quartz countertops, a butler’s pantry, and new appliances—perfect for both everyday living and entertaining. The fully finished basement, completed in 2020, offers an open-concept entertainment area with a large wet bar, one bedroom, and a full bath. Additional updates include luxury vinyl plank (LVP) flooring in the kitchen, living room, and basement (2020 and 2024), a new water heater (2020), and a new water pressure tank (2024). The home includes two gas fireplaces—one in the living room and one in the spacious primary bedroom, which boasts dual walk-in closets. Outside, the private, multi-level deck is wired for a hot tub and includes a fire pit area, creating an ideal setting for relaxation or entertaining. Conveniently located just 3 miles from the Brooke VRE station, with direct access to Washington D.C., and close to Stafford Hospital.
Source: BRIGHT #VAST2040284
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 #VAST2040284
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.