2225 Camp Geary Ln Stafford, VA 22554
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About this home
The wait is over! This luxury homestead on 4+ acres is here! Welcome home to 2225 Camp Geary Lane in Stafford County, tucked away near Crows Nest natural preserve, and Aquia Landing. This beautifully built 5-bedroom, 4.5-bathroom home is perfectly situated on 4 private acres with multi-generational appeal and a homestead feel. Built in 2017, this thoughtfully crafted residence offers over 4,700 square feet of finished space, complete with beautiful hardwood floors on the main level, a dedicated home office, and multiple living areas ideal for family life and entertaining. Even better, this home has an assumable 2.5% VA loan with 635k balance! The main level features a formal living and dining room, a spacious family room with a gas fireplace, and a well-appointed kitchen equipped with a gas range and ample cabinetry. Love a pantry? You’ll love this one! The open and light-filled kitchen leads out into the generously sized deck with gazebo cover and a view of the chicken coop, play set, trampoline, tree-jungle gym, and above ground pool. Don’t worry, it’s all fenced in with a gorgeous wrought iron secure fence all the way around! Upstairs, the luxurious primary suite includes a cozy sitting area, another sitting area nook (or home gym?) an en-suite bath, and a large walk-in closet. Two additional bedrooms are connected by a Jack and Jill bathroom, while a fourth bedroom enjoys its own private en-suite. A fully finished walk-out basement offers a complete in-law suite with a NTC bedroom, full bathroom, rec room and game space, perfect for extended family or guests. Em Outside, the property is equally impressive. Enjoy your mornings or evenings on the expansive deck with a covered gazebo, or unwind in the above-ground swimming pool. Children and guests will love the on-site playground, trampoline, and jungle gym. A chicken coop adds a charming homestead touch, while a shed and RV parking provide practical storage solutions. The home also includes a side-load, three-car garage with ample driveway space. This property offers a rare combination of space, functionality, and recreation—all within a peaceful, natural setting. It’s the perfect opportunity for anyone seeking a private retreat with modern amenities and room to grow.
Source: BRIGHT #VAST2042542
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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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