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831 Stephens Ln, Fort Valley, VA 22652
5 beds · 3 baths · 2,870 sqft
Welcome to 831 Stephens Ln., a charming 5-bedroom, 3-bathroom home nestled in the scenic beauty of Fort Valley, with the added charm of backing directly onto the National Forest.Surrounded by scenic walking trails and the tranquility of nature, this property offers the perfect retreat from the hustle and bustle of everyday life. The main level features a spacious kitchen, living, and dining area, along with a convenient main-level bedroom and full bath. Upstairs, you’ll find four additional bedrooms and another full bathroom, providing ample space for family and guests. The lower level boasts a partially finished walk-out basement with a laundry area and a third full bathroom, offering endless potential for additional living space or a cozy rec room. Situated on just under 13 sprawling acres. Multiple storage sheds provide plenty of secure space for tools, equipment, or hobbies. With no HOA or restrictions, this home gives you the freedom to make it truly your own. Don’t miss this incredible opportunity to call Fort Valley home!
Source: BRIGHT #VASH2010044
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 #VASH2010044
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 620, 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.
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