3493 Wainscott Pl Woodbridge, VA 22192
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About this home
So much to love here, one of the prettiest and most desirable neighborhoods in Lake Ridge. This well maintained beautiful wonderful home is on a quiet dead end street with mature trees and lovely homes all around. A true colonial so much awaits here for your personal touches. 3, possibly 4 bedrooms and 2 1/2 bath and a two car garage all on two levels (no basement). When you enter the front door you'll walk into a spacious foyer with hardwood floors. To the right is a large separate dining room and to the left is the living room. At the back of the living room is another room with built in bookshelves and storage, perfect for a home office as is currently used. A powder room in in the rear middle of the main floor and to the right rear is the homey kitchen with table space, hardwood flooring, a pantry and the laundry is found in this area along with the utility door to the garage. The family room is so cozy and inviting with a brick fireplace and a door that leads to the deck and the fabulous backyard, over 1/3 an acre that is completely fenced by the three surrounding neighbors, yay, no maintenance! Grandaddy trees and perfectly level! The upstairs features two sizeable bedrooms plus the primary bedroom with ensuite and a huge sitting room with doors. Have seen this room turned into a 4th bedroom by adding doorway into the hall. Otherwise, another home office, huge walk in closet, lots of potential. Roof (2016), HVAC (2021), New concrete driveway (2025), Windows (2020), Hot water heater (2023). Be sure to check out the school ratings. All the shopping you could want one stop light away, Giant, Starbucks, Food Lion, Golds Gym, tons of eateries and a Lake Ridge park and marina minutes away. A little further down the road Potomac mills mall and Stonebridge, Lowes, Home Depot, it's all here! Come see for yourself! Lake Ridge has 5 swimming pools, tot lots, basketball courts, tennis courts (one lighted), pickle ball, a boat ramp, and tons more.
Source: BRIGHT #VAPW2106310
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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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