3 Hay Barn Rd, Stafford, VA 22556
4 beds · 4 baths · 2,326 sqft
Get a free consultation call with an expert in the mortgage assumption process.
NO HOA!!!!! Welcome to your dream home, a stunning blend of a Colonial with both Contemporary, and Traditional styles, nestled in a serene rural setting. This exquisite detached residence boasts a generous 2,326 square feet of living space, perfectly designed for both comfort and functionality. As you step inside, you are greeted by a warm and inviting atmosphere, enhanced by a thoughtful floor plan that seamlessly connects the living spaces. The heart of the home features a spacious kitchen with Table and built in seating for extra storage they convey with the purchase. Kitchen is complemented by upgraded stainless steel appliances and new cabinets. Spacious family room leads out to large deck that was replaced last year, fireplace, skylights and 2 story vaulted ceilings add a touch of elegance and warmth. The home offers four well-appointed bedrooms, including a main floor primary suite with private deck for your morning coffee, a luxurious closet and an on-suite bathroom featuring a spacious walk-in shower that will easily accommodate both the elderly or disabled. Additional interior highlights include a formal dining room, a cozy living room, , powder room, optional office area/playroom/ TV room upstairs in loft area, a large second master bedroom upstairs with its own full bath and antique claw foot soaking bathtub. Main upstairs bath features all new fixtures and sink/vanity area and exhaust fan. The entire interior was professionally painted though out. All interior blinds have been upgraded and replaced. All light fixtures have been upgraded and replaced through out the home and all hardware on doors have been replaced to include a keyless entry front door. Basement has been left unfinished for your special touches with space for added rooms and rough in bath. Upgraded 50 gallon water heater and well tank have also been replaced. Heat pump has been upgraded and replaced. Step outside to discover your private oasis. The expansive one-acre lot features beautifully landscaped grounds, with mature trees providing a tranquil backdrop. Enjoy summer days lounging by your in-ground pool, surrounded by a secure black iron fence and a new pool pump for peace of mind knowing nothing is ready to break. The pool furniture chairs and umbrella convey with the purchase but the lounge chairs will be taken by the sellers. The outdoor space also includes a screened porch just off the dining area and country front porch and features a ceiling fan with high ceilings. There are 2 decks for relaxing. One off of the main floor master suite and another just off of the family room. There are various outbuildings including a storage area for changing and pool equipment. The main shed, ensuring ample room for all your outdoor activities to be stored. This property is situated on a quiet established cul-de-sac, offering a peaceful retreat while still being conveniently located near essential amenities. just minutes from Quantico, Curtis Park, fishing, shopping and only 8 miles from I95. The attached two-car garage and ample driveway parking provide easy access and convenience. With its excellent condition and a host of desirable features, this home is a rare find in a sought-after rural location. Experience the perfect blend of comfort, style, and outdoor living in this exceptional property. Don’t miss your chance to make this beautiful house your new home and never deal with the rules of an HOA again. Your home your rules. This rare find has way to many upgrades to list them all so come see this GEM for yourself because it wont be available long. Did I mention new flooring through out the entire home. This home is turn key ready for move in. Feel free to bring your RV and boat to avoid those extra storage fees associated with other communities. Professional Pictures Coming Friday/Saturday
Source: BRIGHT #VAST2037292
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAST2037292
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.