28 Perkins Ln Stafford, VA 22554
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About this home
Welcome to Your Private Oasis on 1.67 Acres with NO HOA! This beautifully updated 4-bedroom, 3.5-bathroom home on a cul-de-sac is truly move-in ready. From the moment you arrive, you’ll appreciate the long driveway with plenty of parking, a spacious 2-car garage, and a separate 20x30 carport—perfect for outdoor enthusiasts or extra vehicles. Step inside to find fresh paint, recessed lighting, and new LVP flooring on all three levels. The heart of the home is the dream kitchen, featuring an island, refreshed 42" cabinets, new sleek quartz countertops and backsplash, new stainless steel appliances, and all updated fixtures. The open layout connects seamlessly to the family room and expansive breakfast area, surrounded by large windows that fill the space with natural light and frame views of the trees and nature outside, creating the perfect space for entertaining. Upstairs, the primary suite is a true retreat with an oversized walk-in closet and a spa-like bath with a dreamy soaking tub. Three additional bedrooms, a full bath, and a convenient laundry room (with brand-new washer and dryer!) complete the upper level. The fully finished walk-out basement offers a versatile rec room, bonus room for an office/playroom/gym, a full bathroom, utility room, and French doors leading to the backyard. Whether you’re hosting guests or creating a multi-generational living space, this level has endless potential. Outside, enjoy 1.67 acres of private land to enjoy plenty of space for relaxing, entertaining, or exploring—just minutes from the Potomac River, Widewater State Park, Crow’s Nest Natural Area Preserve, and Aquia Landing Park. An outdoor lover’s delight! No HOA, Close to commuter routes, shopping, and dining. Don’t miss your chance to own this updated retreat that blends modern comfort with everyday convenience. Schedule your showing today!
Source: BRIGHT #VAST2043234
Neighborhood
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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.