1 Stoneridge Ct Stafford, VA 22554
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About this home
Original owners have lovingly maintained and improved this 4-bedroom Colonial home over the years. Located on a corner lot in The Vistas of Park Ridge, this home offers a perfect place to relax and entertain. The heart of the home features an open floor plan that connects the family room to the kitchen, and includes an eat-in kitchen, an island, stainless steel appliances, a double sink, and a pantry. The kitchen opens to the back deck, providing a seamless transition between indoor and outdoor living. The large deck is a great place to relax and enjoy the landscaped yard, offering a space for recreation, entertaining, or simply unwinding. On the other side of the kitchen is the formal dining room, providing the ideal setting for memorable dinners and events. <br /><br /> <br />Assumable 2.375% VA Loan (for VA eligible only )! Contact listing agent for details. <br />Upstairs has 4 bedrooms and 2 full bathrooms. The primary bedroom's cathedral ceiling adds to the spaciousness of the room. Bathrooms have tiled showers and single vanities with a large amount of counter space. Downstairs, the fully finished basement has steps to the backyard and provides additional living space with a large room, half bathroom and a large laundry room with storage. The rear yard is fully fenced and includes a shed and mature landscaping.<br /><br /> <br />Renovated inside and out, features include: new windows (2015), siding (2017), roof (2017), wood floors on 2 levels, stainless steel appliances, remodeled baths, water heater (2021), basement carpet replaced (2021), sump pump (2021), HVAC (2021) and wood deck boards replaced and painted (2025). Move-in ready!<br /> <br />Community amenities include a basketball court, outdoor pool, and tot-lot. Park Ridge is approximately 10 miles south of MCB Quantico and 15 miles north of historic downtown Fredericksburg. Park Ridge is minutes off I-95, convenient to restaurants, shopping centers, commuter lots, as well as the VRE.
Source: BRIGHT #VAST2041572
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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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