Welcome Home! Perfectly positioned halfway between Jacksonville and Wilmington, offering the ideal balance of coastal living and convenient commuting. This pristine, meticulously upgraded home stands out as the finest in the neighborhood, combining elevated finishes, thoughtful design, and turnkey comfort. Step inside to discover gorgeous laminate vinyl plank flooring throughout the main living areas, complemented by craftsman trim, 6'' baseboards, and oak stair treads with open railing that create a warm, custom home feel. The kitchen is a true showstopper, featuring 42'' ceiling-height cabinetry, soft-close hardware, granite countertops, tile backsplash, a gas stove, an exterior-vented hood, wood shelving in the pantry, pendant lighting, and an upgraded island for improved flow and functionality. Tech lovers will appreciate the Cat 6 wiring, low-voltage panel, and whole home enhanced connectivity. Upstairs, all four bedrooms offer impressive space, natural light, and upgraded finishes. The craftsmanship continues in the bathrooms with granite countertops, comfort-height toilets with soft-close seats. The primary suite offers a true retreat, featuring a spacious bedroom with recessed lighting and a serene atmosphere perfect for unwinding. The custom-designed walk-in closet delivers exceptional organization with upgraded cabinetry and wood shelving. The spa inspired en suite bathroom completes the experience with a beautifully tiled walk-in shower, glass shower door, granite countertops, and comfort-height fixtures for an elevated, luxurious feel. The home also includes surround-sound speakers in the living room, recessed lighting, a smart lock, a smart thermostat, and the HomeTeam in-wall pest control system for maximum ease of living. Outside, enjoy the coastal breeze from your 14x20 screened pavilion-style rear patio with pergola, overlooking a fully fenced backyard complete with Bermuda sod, in-ground irrigation, a 10x12 shed on a concrete pad, and rear floodlights. The extended driveway, upgraded craftsman front door, and carefully maintained landscaping add to the unforgettable curb appeal. Every detail has been considered including blinds throughout, under stair storage shelving, a garage waterline for an additional refrigerator, added garage cabinetry, and the washer and dryer convey for true move in readiness. This home blends sophistication, comfort, and unmatched upgrades, delivering a lifestyle you won't find anywhere else in the neighborhood. Don't miss your chance to own the standout home in one of Coastal Carolina's most desirable and growing communities.
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.
