Welcome to 128 Lamplighter Way – Premier Golf Course Living in Anderson Creek Club!Special Financing Opportunity: This home features an assumable 3.6% VA loan - a fantastic benefit for qualified VA buyers looking to lock in a low rate in today’s market!This stunning executive home sits directly on the 17th fairway of the championship Anderson Creek Golf Course in the exclusive gated community of Anderson Creek Club. Offering 3,498 sq ft of luxurious living space (4 bedrooms, 3 bathrooms), this move-in-ready residence combines elegance, comfort, and resort-style living.Step inside to an open-concept floor plan featuring soaring high ceilings, custom columns, beautiful hardwood and ceramic tile flooring, and granite countertops. The spacious living areas flow effortlessly, perfect for entertaining or relaxing with golf course views. Highlights include:A massive upstairs media room with vaulted ceilings, surround sound, and breathtaking fairway views - ideal for movie nights or a second living area.Generous primary suite and bedrooms with ample closet space.Gourmet kitchen with granite counters.Upstairs bonus space that works perfectly as an in-law suite or private retreat.Live the resort lifestyle every day. Anderson Creek Club is a vibrant, luxury gated community nestled on 1,700 acres of North Carolina forest reserve. Your HOA covers cable, internet, lawn care, plus access to pools, common areas, and an incredible array of amenities:Championship golf course (Davis Love III design) with practice facilitiesMultiple pools, splash pad, tennis, pickleball, sand volleyball, basketball, and moreClubhouse with Pub & Grill, pro shop, library, and business centerFitness centers, nature trails, fishing, canoeing, community gardens, playgrounds, and social eventsOn-site 5-star Wonder Years preschool and nearby Anderson Creek Academy charter schoolLocated just minutes from Fort Bragg, Fayetteville, and a short drive to Raleigh and Pinehurst, this home offers unbeatable convenience for military families, professionals, and golf enthusiasts alike.Don't miss your opportunity to own a piece of this premier gated golf community. Schedule your private showing today and experience the lifestyle that makes Anderson Creek Club one of the most sought-after addresses in the area!HOA includes cable, high-speed internet, lawn maintenance, and full access to pools and common activity areas.
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.
