1000 Forsythia Ln, Stafford, VA 22554
4 beds · 3 baths · 3,806 sqft
Welcome to 1000 Forsythia Ln, a stunning corner-lot single-family home in the heart of Stafford, VA! VA assumable mortgage at 3% This beautifully maintained home offers a spacious and open floor plan designed for both comfort and functionality. As you step inside, you’ll be greeted by an abundance of natural sunlight that enhances the warmth and charm of the space. The large family room provides the perfect setting for relaxation and gatherings, seamlessly connecting to the expansive kitchen. The kitchen is a chef’s dream, featuring ample cabinet storage, generous countertop space, and a convenient layout that flows effortlessly into the dining room. This bright and inviting space leads directly to a gorgeous stone patio, ideal for outdoor dining, entertaining, or simply enjoying a peaceful evening. The backyard is fully fenced, offering privacy and plenty of space for pets, gardening, or recreational activities. The main level also includes a dedicated office, perfect for remote work or study, along with a well-placed half bathroom for convenience. Upstairs, you’ll find four generously sized bedrooms, each with ample closet space, sharing a well-appointed full bathroom. The master suite is a true retreat, boasting a spacious layout and custom-built closet organizers for optimal storage and functionality. The basement adds incredible versatility to this home. With brand-new carpeting and a recently installed sump pump, this lower level offers both peace of mind and modern comfort. A potential fifth bedroom with a legal window provides an excellent guest space or private retreat, and with a rough-in for a full bathroom, there’s an opportunity to further customize the space. The remaining finished area is perfect for a second family room, media space, playroom, or home gym—endless possibilities to fit your lifestyle needs. Also enjoy the convenience of your own Tesla charger. Beyond the home itself, residents will enjoy the wonderful amenities this sought-after community has to offer. From community pool, parks and walking trails to recreational facilities and more, this neighborhood provides the perfect balance of tranquility and convenience. Don’t miss the chance to make this exceptional home yours! Schedule a private tour today and experience all that 1000 Forsythia Ln has to offer.
Source: BRIGHT #VAST2036746
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAST2036746
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.