2409 Harpoon Dr Stafford, VA 22554
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About this home
**** RECENTLY BROUGHT BACK TO MARKET WITH NO EXPENSE SPARED. THIS HOME SHOWCASES THE SELLER'S COMMITMENT TO HIGH QUALITY AND VALUE.**** Located in the sought-after Aquia Harbor community, this spacious and well-maintained residence offers 5 bedrooms and 5 full bathrooms, thoughtfully designed to accommodate multigenerational living or potential rental income. The fully finished lower level includes 2 bedrooms, 2 full bathrooms, a complete kitchen, and a separate living area, providing a private and self-contained space with full functionality. The outdoor area features a landscaped backyard with a fishpond and a custom-built treehouse, offering a peaceful setting for relaxation or recreation. Inside, the home is equipped with high-end fitness equipment that conveys, along with two full sets of washers, dryers, and refrigerators—ideal for large households or guest accommodations. Additional highlights include an assumable VA loan at 4% (for qualified buyers), ample square footage, and a flexible floor plan suited to a variety of lifestyles. Residents of Aquia Harbor enjoy gated access, community amenities, and convenient proximity to I-95, schools, shopping, and commuter routes. This property presents a unique opportunity to own a versatile home in a well-established neighborhood with desirable features and modern conveniences throughout.
Source: BRIGHT #VAST2042902
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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.