Blending timeless design with modern comfort, this stunning Concord residence delivers spacious open-concept living, upscale finishes, and exceptional functionality throughout. Thoughtfully crafted with spacious living areas, upscale finishes, and inviting indoor-outdoor spaces, this home delivers exceptional everyday living with a layout designed to fit a variety of lifestyles. From the moment you arrive, the charming exterior and welcoming front entry create an inviting first impression. Inside, you’ll immediately appreciate the bright and airy open-concept design filled with natural light, modern finishes, and seamless flow between the main living spaces. The chef-inspired kitchen truly serves as the centerpiece of the home, featuring a large center island perfect for gathering, entertaining, casual dining, or meal prep. Complete with a gas range, abundant cabinetry, stylish finishes, and a spacious walk-in pantry, this kitchen was designed with both beauty and practicality in mind. The open layout connects effortlessly to the dining area and expansive family room, making entertaining easy and everyday living feel comfortable and connected. The spacious family room offers a warm and welcoming atmosphere centered around a cozy fireplace, creating the perfect setting for relaxing evenings, holiday gatherings, or quiet mornings at home. Large windows provide beautiful natural light while offering views of the private backyard. A highly versatile main-level bedroom and full bath add incredible flexibility to the floor plan. Whether used as a guest suite, private office, sunroom, fitness space, or playroom, this area can easily adapt to your needs and lifestyle. Upstairs, the luxurious primary suite offers a peaceful retreat with generous space, elegant finishes, and a spa-inspired ensuite bath. Enjoy a large walk-in shower, dual vanities, and an expansive walk-in closet with plenty of room for storage and organization. Additional secondary bedrooms are spacious and thoughtfully designed, offering comfort and privacy for family members or guests. Step outside to enjoy the spacious fenced backyard — an ideal extension of the home’s living space. The covered patio creates the perfect outdoor retreat for dining, entertaining, grilling, or simply relaxing while enjoying Carolina evenings. With ample green space for pets, gardening, or recreation, the backyard offers both privacy and versatility. Additional features throughout the home include generous storage space, beautifully maintained finishes, spacious secondary bathrooms, and thoughtfully designed living areas that combine both style and everyday convenience. The home’s modern layout provides flexibility for entertaining while still maintaining warm, comfortable spaces perfect for quiet evenings at home. Residents of the community also enjoy access to neighborhood amenities including a community pool, perfect for cooling off during warm summer months and connecting with neighbors. Located in the rapidly growing Concord area, this home offers convenient access to everything the Charlotte region has to offer. Enjoy nearby shopping at Concord Mills, local boutiques, restaurants, breweries, golf courses, parks, entertainment venues, and Charlotte Motor Speedway. Commuters will appreciate easy access to major highways and Uptown Charlotte, while outdoor enthusiasts can take advantage of nearby greenways, walking trails, and recreational opportunities. The area’s continued growth, vibrant atmosphere, and convenient location make this an exceptional place to call home. 4415 Hunton Dale Road NW presents a rare opportunity to enjoy stylish, spacious living in a thriving community with outstanding amenities and an unbeatable location.
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.
