104 Dent Rd Stafford, VA 22554
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About this home
Nestled at the end of a cul-de-sac in the charming Cobblestone community, this Georgian-style home exudes warmth and comfort, perfect for creating lasting memories. With 5 spacious bedrooms and 2 full bathrooms and 2 half bathrooms, this residence offers ample space for relaxation and entertaining. The inviting interior features a blend of hardwood, carpet, and tile flooring, enhancing the cozy atmosphere throughout. The heart of the home is the well-appointed kitchen, complete with an island, double ovens, and a breakfast area, making it ideal for culinary enthusiasts. Skylights and an abundance of oversized windows illuminate the space, creating a bright and airy feel. Step outside to discover a serene 3.08-acre lot, surrounded by trees and lush greenery, providing a peaceful retreat. The outdoor space features a screened porch and deck, perfect for enjoying morning coffee or evening summer meals. A charming gazebo adds to the allure of the backyard, offering a delightful spot for relaxation. Additional highlights include a main floor laundry, main level flex room (office/library or main level bedroom NTC), and a side-entry garage with ample parking. Conveniently located in the heart of Stafford, less than 10 minutes from the commuter parking lot, the HOV entrance to 95, the VRE, shopping, dining and historical sites. This home is not just a place to live; it’s a sanctuary where comfort meets style, ready to welcome you home. If that wasn't enough...there is NO HOA, the home comes with a large chicken coop and has the ability to assume the 2.75% VA Loan!!!!!
Source: BRIGHT #VAST2041948
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.