Why settle for ordinary when you can have all the charm, space, and sunshine you've been dreaming of? Nestled on a peaceful .68-acre flat lot, this Wendell gem delivers that ''breathe-deep'' kind of tranquility while keeping you just 10 minutes from Downtown Wendell and 30 minutes from Raleigh. The rocking-chair front porch sets the tone — slow mornings, sweet tea, and friendly waves. Out back, a spacious screened-in porch with ceiling fan and patio overlooking open views make every sunset feel like an event. The oversized shed offers plenty of space for tools, toys, and weekend projects, while leased solar panels bring easy monthly savings and eco-friendly living. Inside, thoughtful craftsman trim, double crown molding, and wood shelving add timeless character. The open-concept floor plan makes daily living and entertaining effortless, flowing from a bright dining room with wainscoting to a family room with built-ins and a cozy fireplace. The kitchen shines with upgraded cabinetry, double ovens, stainless appliances, an island, and a generous pantry — perfect for everything from meal prep to midnight snacks. Upstairs, a flex room over the garage gives you the freedom to create — an office, craft space, or the hobby room you've always wanted. The primary suite is a true retreat with tray ceilings, a massive walk-in closet, and a spa-like bath featuring dual sinks, a stand-alone soaking tub, and a separate shower. With LVP flooring throughout the main areas, ceiling fans throughout, and plenty of natural light, this home blends style, function, and comfort in all the right ways. 167 Whistling Duck Drive is more than a house — it's where your next chapter begins, wrapped in space, serenity, and a touch of everyday magic.
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.
