44 Palisades Dr Stafford, VA 22554
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About this home
Welcome to Hills of Aquia, where elegance, comfort, and thoughtful design come together in this truly stunning 3-story colonial. From the moment you step into the foyer, you’ll feel how seamlessly this home just flows — every space designed with purpose and style. With 4,000+ sq/ft of living space, a stunning kitchen with island, butler’s pantry, a formal living and dining area that balances traditional elegance with an open, modern layout, a main-level office, fully fenced backyard, screened-in patio, two-car garage, incredible primary ensuite with two walk-in closets and spa-like bathroom, and a walkout basement with bonus rooms and a bar/kitchenette, this home truly offers everything you need! The main level features a spacious family room that connects effortlessly to the kitchen, creating a warm, inviting space perfect for everyday living and entertaining. Upstairs, retreat to the expansive primary suite with a cozy gas fireplace, a private sitting area, and two walk-in closets. The spa-like ensuite boasts a soaking tub, dual vanities, separate shower, and a private water closet. Three additional bedrooms, each with generous closet space, and a beautifully designed landing complete the upper level. The fully finished walkout basement offers incredible flexibility with two large bonus rooms, a recreation area, a bar/kitchenette that rivals a full kitchen, and a full bathroom — ideal for guests, a gym, or playroom. It also includes a large storage space that could be expanded in the future. Outside, enjoy a fully fenced backyard, screened-in deck, lower-level patio, and a hot tub — perfect for relaxing or entertaining. Conveniently located less than 1 mile from I-95 and close to Route 1, you’ll find everything you need within minutes at North Stafford Plaza including grocery stores, restaurants, shopping, and more. Plus: Approx. 8 miles to Quantico, 10 miles to Fredericksburg, and 43 miles to Washington, D.C.
Source: BRIGHT #VAST2043784
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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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