Welcome to 129 Kelly Court in Goldsboro--where space, privacy, and convenience come together on a quiet cul-de-sac with no HOA restrictions. This well-maintained 3-bedroom, 2-bath home offers over 1,700 square feet of comfortable living space, set on just under an acre--providing room to spread out both inside and out. Recent updates include new carpet and flooring in 2024, giving the home a fresh, move-in-ready feel. The property has been thoughtfully improved for efficiency and long-term comfort, featuring an encapsulated crawl space and sealed attic--helping regulate temperature, improve air quality, and reduce energy costs year-round. Located just minutes from Seymour Johnson Air Force Base, this home is ideal for military buyers or anyone seeking a quick commute--typically around 10-15 minutes to base, depending on gate access. You'll also enjoy easy access to major roadways including US-70 and NC-111, making travel to Raleigh, Greenville, and surrounding areas straightforward. Everyday convenience is right around the corner with nearby shopping, dining, and essentials. Popular options like Harris Teeter, Target, and Berkeley Mall are all within a short drive, along with local favorites and national restaurants including Texas Roadhouse, LongHorn Steakhouse, and Panera Bread. Whether you're looking for a primary residence or a smart investment near the base, 129 Kelly Court offers a rare combination of location, lot size, and efficiency upgrades--without the added restrictions of an HOA. Schedule your showing today and see the value this home has to offer. ***Rooms Virtually Staged***
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.
