Welcome to 6 Sarrington Court in the Park Ridge community of Stafford. This beautifully maintained colonial has been thoughtfully updated from top to bottom, offering three finished levels, 4 bedrooms, and 3.5 baths in a location close to I-95, Quantico, shopping, schools, and community amenities. The main level features a bright living room with updated recessed lighting, a formal dining room with a bay window, and an upgraded kitchen with newer cabinets, black quartz countertops, a 26" sink, and Samsung stainless appliances. The space flows into a comfortable family room anchored by a wood-burning fireplace. From here, sliders open to a 12' x 30' stamped-concrete patio and a fully fenced backyard with planter borders and an automatic shade awning. Upstairs, the primary suite includes a shiplap accent wall, three closets, and a renovated en-suite bath with a free-standing tub and large glass shower. Three additional bedrooms, updated outlets and switches, upgraded lighting, and a remodeled hall bath complete the upper level. The fully finished basement offers a large recreation room, a full bath, and a remodeled laundry/utility area—ideal for guests, hobbies, and additional living space. This home has seen extensive improvements, including: • GAF Timberline 50-year architectural roof (2017–2018) • New siding (Mastic Quest) • New Vytex Window Nation windows & slider throughout with Low-E glass, argon, double glazing, and upgraded efficiency ratings • New insulated Wayne Dalton garage door • All three bathrooms remodeled (2019) • Recessed lighting added in kitchen, dining, and living room • New waterproof LifeProof Sterling Oak flooring on main, upper level, and stairs (2020) • New smoke & carbon monoxide detectors on all levels • New kitchen cabinets, countertops, sink, and stainless appliances • Garage drywall, insulation, and paint (2021) • Upstairs outlets, switches, fixtures, and hallway lighting replaced • Basement remodel and new 75-gallon hot water heater • Interior paint updates in 2022, including Agreeable Gray walls and white ceilings in several main-level rooms With major systems, flooring, baths, kitchen, and exterior already updated, this home offers the rare combination of charm, style, and peace of mind. Truly move-in ready in one of Stafford’s most convenient and established neighborhoods.
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.
