45 Saint Marys Ln Stafford, VA 22556
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About this home
AMAZING 4.125% VA ASSUMABLE LOAN! Contact your agent or listing agent for details. No HOA! Public water and sewer! Step into what may be the cleanest home on the market in North Stafford—short of new construction! Pride of ownership definitely shows in this meticulously maintained home with endless tasteful updates throughout. The long, winding driveway creates a sense of anticipation as you pull up to this classic colonial-style home w/ a full country front porch that delivers incredible curb appeal from the moment you arrive. This impeccable 4-bedroom, 2.5-bathroom home on a full unfinished walk-up basement sits gracefully on just shy of 4 acres in the highly sought-after community of Magnolia Woods. A sea of gorgeous hardwood flooring that sprawls through the entire main main level awaits you as you enter into the dramatic, open & airy 2-story foyer. Glance to the left to capture the main level study/office with crown molding. To the right you will find the formal living & dining rooms featuring detailed chair railing, crown & shadow box molding. From the foyer continue on into the recently updated amazing gourmet kitchen boasting gorgeous granite countertops, tile backsplash, a chef-grade Kenmore Elite gas cooktop stove w/ range hood, sleek stainless steel appliances, under-mounted stainless steel sink, recessed lighting, built-in desk area, & the super convenient center island with ample storage & breakfast bar w/ seating available. Just off of the kitchen you will find the eat-in area & the spacious family room highlighted by the cozy full stone fireplace w/gas log insert!Off of the eat-in area is the light-filled sunroom with picturesque views out to the spectacular backyard featuring a small composite deck off of the sunroom, the incredible outdoor kitchen slate patio area w/ built-in grill & mini fridge, & another 2nd composite deck just off of the slate patio that leads to the amazing screened gazebo! The impressive paver stone walkway makes it a breeze to cruise from the driveway to the backyard or all the way around to the walk-up basement entrance, the shed offers generous amount of storage for extra tools & equipment & the firepit just adds yet another area that makes this backyard an absolute perfect place to entertain! Back inside & on the upper level of this gem enjoy a grand owner's suite w/ a small sitting area, massive walk-in closet, soaring cathedral ceiling & the luxurious en-suite bathroom showcasing the breathtaking claw foot tub, an outstanding tiled walk-in shower, & features newer quartz countertops & Kohler faucets on the dual vanities. Completing the upper level you will find 3 additional spacious bedrooms all outfitted w/ detailed crown molding & ceiling fans, the 2nd full bathroom, & an oversized upper level laundry room w/ built in cabinetry, folding table & utility sink. Finally, down on the lower level the full unfinished walk-out basement features impressive 9-foot ceilings & offers incredible potential for future expansion or simply additional storage. Already plumbed & improved w/ a new egress window that was installed in 2021, the basement is ready for someone's vision and is positioned for a 5th legal bedroom & a 3rd full bathroom. A few additional notable highlights of this beauty include a new architectural roof in 2017, brand new hot water heater July 2025, new KitchenAid dishwasher in 2022, & new fencing in 2024. From repainting of gazebo & shed to new toilets & fixtures throughout there are far too many improvements the sellers have continually made the past few years to list! As you can see, there are endless features offered up in this exceptional turn-key property that clearly shows pride of ownership & is planted on a fantastic private lot in a well established & desirable community, making it easy to see that this home is your perfect choice!!
Source: BRIGHT #VAST2040956
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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.