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98 Autumn Dr, Stafford, VA 22556
5 beds · 4 baths · 3,222 sqft
**OPEN HOUSE SATURDAY 6/21, 1-3PM!! JUST STOP BY!!**Discover the perfect blend of space, function, and charm. This home invites you into comfort with its front WRAP AROUND COVERED PORCH, rear porch, and rear PATIO/DECK. This home offers 4 bedrooms and 3.5 bathrooms, with a main-level layout that includes a light-filled living room, separate dining area, breakfast nook, cozy family room with FIREPLACE, and a convenient half bath and a kitchen with an island stove to allow friends and family to gather comfortably. Private primary suite offers multiple features including a WALK-IN CLOSET, and en-suite bath, and a LOFT room with a PRIVATE BALCONY. The finished basement with IN-LAW SUITE including bedroom with full bath, walk-in closet, CHAIRLIFT to main level, PRIVATE KITCHEN, WALK-IN PANTRY with cooler storage, and a large recreation room—ideal for guests, hobbies, or extra living space. Car enthusiasts and hobbyists will appreciate the attached 2-car garage and the additional HIGH BAY GARAGE with detached side garage adjacent to it, offering ample space for storage, a workshop, or recreational vehicles. GATED 2ND ENTRANCE to home next to the high bay garage. ASSUMABLE VA LOAN AT 2.75%, and an additional $3,000 CARPET CREDIT. This home has been meticulously cared for and buyers can live carefree with LIFETIME WARRANTY for the windows, ROOF WARRANTY for new sealcoat added last month, HVAC SERVICE PLAN good through 2025, NEWER APPLIANCES including refrigerator (2024), microwave/oven (2024), washer (2024), and dryer (2021). They will enjoy the countless RENOVATIONS AND UPDATES including primary bath (2025), basement bath (2025), basement kitchen (2025). Sellers conveying flower pots, grill, outdoor chair set, 2 mounted TVs/blu-ray. Enjoy the scenic paths, warm community feel and serenity of country-style living just minutes from local services and conveniences. Don’t miss this opportunity to own a home that HAS IT ALL!
Source: BRIGHT #VAST2038438
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 #VAST2038438
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.
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