1 New Bedford Ct Stafford, VA 22554
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About this home
Located in the desirable Hampton Oaks community, 1 New Bedford Court offers a comfortable blend of classic design and everyday functionality. This four-bedroom, three-and-a-half-bath colonial has been thoughtfully cared for and provides plenty of space for everyone living across three finished levels. You will be greeted by a rocking chair- ready front porch before stepping inside, where the main floor features a welcoming foyer, a formal dining room, and a versatile front room ideal for an office or sitting area. The updated kitchen includes stainless-steel appliances, granite countertops, and a casual dining nook that opens to the family room—complete with a gas fireplace and views of the backyard. Upstairs, the spacious primary suite includes a sitting area, walk-in closet and private bath, while three additional bedrooms share an updated hall bath. The finished lower level adds flexibility with a large recreation room, full bath, and ample storage—perfect for guests, hobbies, or movie nights. Outdoor living is easy here, with a low-maintenance Trex deck and a stamped concrete patio overlooking a fenced yard. The attached two-car garage provides extra convenience, and the mature landscaping offers privacy and adding to the home’s curb appeal. Located close to I-95, Quantico, commuter lots, and shopping, this home combines a peaceful neighborhood setting with everyday practicality. Hampton Oaks amenities include a pool, playgrounds, and community events that make it easy to feel at home.
Source: BRIGHT #VAST2043654
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FAQs
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.
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