7 Ashley Ct, Stafford, VA 22554
5 beds · 4 baths · 2,715 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 7 Ashley Ct – Where Comfort Meets Style in the Heart of Park Ridge Located on a cul-de-sac in the sought-after Park Ridge neighborhood, this charming home checks all the boxes for space, upgrades, and location. Just a block from the library and Park Ridge Elementary, and easily accessible from Quantico, I-95, Embrey Mill Town Center, shopping, dining, and more—you’ll be close to everything while enjoying everything this home has to offer. Step inside and you’re greeted by a bright and inviting main level featuring a front living room, formal dining room with wainscoting, and a white kitchen that pops with granite countertops, a tile backsplash, and updated hardware. The cozy family room flows right off the kitchen and features a sleek new built-in electric fireplace with custom shelving—perfect for movie nights or lazy Sunday mornings. A convenient powder room rounds out the main level. Upstairs, you’ll find four spacious bedrooms, including a relaxing owner’s suite with plenty of natural light and room to unwind. The three additional bedrooms are versatile and ready to fit your lifestyle—whether you need extra sleeping space, a home office, or a playroom. Head down to the fully finished lower level, where things get even better. A dry bar with a built-in kegerator and living room makes this the ultimate hangout zone. There’s also a dedicated laundry room and an additional room that can serve as a fifth (NTC) bedroom, hobby room, home gym—you name it! Outside, the fully fenced backyard offers privacy and space to play or entertain, complete with a covered porch so you can enjoy it rain or shine. With thoughtful upgrades like LVP flooring throughout the main level, basement, and bathrooms, new lighting, and ceiling fans in every room, this home truly brings comfort and style together in all the right ways. If you’re looking for that perfect blend of updated charm, functional space, and a fantastic location—7 Ashley Ct is the one.
Source: BRIGHT #VAST2036316
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAST2036316
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 and Equal Opportunity Act.