Some homes simply feel different. Tucked away on a quiet cul-de-sac in one of Aberdeen's most welcoming neighborhoods, Lightwater Court is the kind of place where neighbors become friends, children ride bikes until sunset, and community happens naturally. It's the feeling you get the moment you pull into the driveway, a sense of belonging that's impossible to replicate and only comes from years of creating a true neighborhood. This beautiful Craftsman-style home combines timeless charm with the thoughtful design today's buyers are searching for. Step onto the inviting front porch and inside to find beautiful hardwood floors, abundant natural light, and a floor plan that simply works. The main-level primary suite offers the perfect private retreat, complete with a spacious walk-in closet and the convenience of first-floor living. Whether you're looking for separation from the kids, a quiet place to unwind after a long day, or a home that will serve you well for years to come, this layout delivers. Upstairs, three additional bedrooms and a full bath provide plenty of space for family, guests, or hobbies. Just off the foyer, French doors lead to a dedicated home office, a true workspace with privacy and purpose. No makeshift corners or converted spaces here. When the workday is done, simply close the doors and leave work behind. At the heart of the home, the well-appointed kitchen is designed for gathering. Granite countertops, stainless steel appliances, subway tile accents, crown-molded cabinetry, and a convenient breakfast bar create a space that's as functional as it is inviting. From busy weekday mornings to holiday celebrations, this kitchen is ready for it all. The open-concept living and dining areas flow effortlessly together, creating comfortable spaces for both everyday living and entertaining. Nine-foot ceilings enhance the sense of openness throughout the main level, while thoughtful features such as a guest powder room, dedicated laundry room, and abundant storage make daily life easier. Perfectly positioned just off US-1, you'll enjoy convenient access to Fort Bragg, the Triangle, and all the shopping, dining, golf, and recreation that make Moore County such a sought-after place to call home. Move-in ready, beautifully maintained, and offering the rare combination of a main-level primary suite, dedicated office, cul-de-sac privacy, and timeless Craftsman appeal, this is more than a house. It's a place to put down roots and create your next chapter. Schedule your private showing today!
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
