53 Brooke Crest Ln Stafford, VA 22554
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About this home
**Significant Price Improvement and 2.25% VA assumable rate! ** 2.25% VA Assumable rate for qualified buyers and you only need 10% down with a HELOC Piggyback. We can connect you with a trusted lender with experience doing HELOC Piggybacks with this loan servicer. This could save you over $1000 per month in your monthly payment compared to current mortgage rates and approximately $2000 per month when including additional equity gained form higher principle paid each month. Call listing agent for details. Welcome to this beautiful Augustine-built home, nestled on 3 private acres in a secluded section of Stafford County. From the moment you enter the open foyer, the home's layout invites you in—flowing smoothly from one space to the next for connected living. The foyer itself features a grand central staircase, with a spacious office and formal living room on either side, and a central pathway leading directly to the kitchen. The gourmet kitchen is a chef’s dream, showcasing new quartz countertops, an oversized island, double ovens, and a comfortable breakfast area—perfect for both everyday living and entertaining. To the right is a beautiful family room with a vaulted ceiling and cozy fireplace. The main level walks out to a deck, where you can step into a sunshine and enjoy the grassy back yard. Upstairs, the expansive primary suite features a comfortable sitting area—ideal for teleworking, reading, or unwinding—as well as an updated bath with modern finishes. Three additional bedrooms and two full bathrooms provide plenty of space for family or guests. The finished basement offers a large, versatile area that can serve as a playroom, home gym, or second family room—whatever suits your lifestyle. You'll also find a private bedroom and full bath, perfect for visiting guests or extended family. Finally, there is a large unfinished storage room in the basement, ensuring you have ample storage space. The partially wooded 3-acre lot provides privacy with a 6-foot fence and natural beauty while still being close to shopping, I-95, and less than 5 miles from the VRE. Enjoy the outdoors with nearby Crow's Nest Natural Preserve, offering miles of hiking trails and a kayak launch, or take a short walk to Aquia Landing Park for beach access, fishing, kayaking, and more—truly a vacation lifestyle at home. Recent upgrades include: * Quartz countertops in kitchen, updated master bath (2025) * Carpet in the basement and top floor (2020) * New French door in basement, and new refrigerator (2019) * Roof, gutters and leaf gutter guards (2018) * Hot water heater (2017) * Stainless steel kitchen appliances (2016) * New HVAC systems (2016) * Full home water filtration system Don’t miss this opportunity to own a well-cared-for home on a private, spacious lot in Stafford. Welcome home!
Source: BRIGHT #VAST2039182
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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.