Welcome to 2822 Hopeton Court, a beautifully maintained and freshly updated townhome in one of Monroe’s most convenient and desirable communities. This spacious 3-bedroom, 2.5-bath home offers 2,129 square feet of thoughtful design, flexible living, and modern comfort — perfect for today’s lifestyle. From the moment you step inside, you’ll appreciate the home’s bright, open floor plan with fresh interior paint and NEWLY painted exterior that create a clean, move-in-ready feel. The main level features a comfortable living area filled with natural light, seamlessly connecting to the dining space and well-equipped kitchen with stainless steel appliances, ample countertop space, and generous cabinetry for storage and meal prep. The kitchen’s open design makes entertaining easy, whether you’re hosting a gathering or enjoying a cozy night in. One of the home’s standout features is the TWO primary suites — one conveniently located on the main floor and another upstairs. The main-level suite offers easy access for anyone seeking a first-floor retreat, while the upstairs primary provides privacy and space, perfect for extended stays or multi-purpose living arrangements. Both feature spacious closets and well-appointed bathrooms with modern finishes. Upstairs, the versatility continues with a large loft and an extra flex room that can easily serve as a home office, workout area, hobby space, or playroom — giving you the freedom to adapt the home to your lifestyle needs. Outside, enjoy a low maintenance, private fenced backyard with plenty of room for outdoor dining, gardening, or relaxing. The attached garage provides convenient parking and extra storage space, adding to the home’s appeal and functionality. The community itself enhances everyday living with well-maintained sidewalks, a refreshing pool, and a relaxing cabana area — perfect for sunny afternoons and connecting with neighbors. You’ll love being just minutes from local shopping, dining, and commuter routes, making daily errands and weekend adventures easy. Every detail of this home has been carefully considered — from its fresh updates and neutral finishes to its spacious, open layout and flexible design. With two primary suites, ample storage, and a private outdoor space, this property offers the best combination of comfort, convenience, and style. If you’ve been searching for a move-in-ready townhome in Monroe, NC, with the space to live, work, and relax comfortably, 2822 Hopeton Ct. delivers it all — and more. Ask about the assumable low-rate mortgage opportunity — a rare chance to make this beautifully refreshed townhome your own this season.
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.
