2105 Harpoon Dr Stafford, VA 22554
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About this home
Flat half-acre lot, storage in the 2-car garage, newer major systems, fresh paint and refinished hardwood floors make this home an inviting choice for anyone looking for space both inside and out. The main level offers a traditional layout with a living room, dining room, kitchen with a large pantry, laundry room, plus a half bath near the entry. A family room with a gas fireplace sits just off the kitchen, creating a natural gathering space. The second level features brand new carpet and a primary suite with its own en suite bath. Four additional bedrooms and a full hall bath provide room to grow—whether you need space for family, guests, a home office, or even a hobby room. Outside, a flat half-acre lot offers plenty of room to enjoy, complete with a deck and gazebo that provide shade and a comfortable spot to relax. A two-car garage with space for storage and additional driveway parking make it easy to host family and friends. Roof: 2021 with lifetime transferrable warranty. Windows: 2019. Water heater: 2018, commercial grade, 50-gallon. HVAC: 2016, serviced annually. Aquia Harbour is an active community with something for everyone—swimming pools, golf course, tennis and pickleball courts, horse stable, dog park, baseball field, marina, playgrounds, Pre-K school, private police department, private access to Government Island and more with easy access to I-95.
Source: BRIGHT #VAST2042610
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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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