6509 Duncans Creek Ct, Fuquay Varina, NC 27526
4 beds · 5 baths · 4,017 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome Home to luxury, privacy & space! This stunning custom-built home offers 4 spacious bedrooms, 4.5 baths, and a fully finished third floor—perfect for teens, guests, in-laws, or your dream entertainment zone! Nestled on nearly 1.5 acres in a peaceful cul-de-sac, this beauty is part of DUNCANS RIDGE - a hidden gem known for its mature trees, oversized lots, privacy, and no city taxes! Despite its tranquil setting, you're just minutes from both Downtown Holly Springs and Fuquay-Varina. Key features & recent updates include: Exterior painted '23, fresh interior paint including in the garage & new carpet upstairs '25, new water heater Sept '24, HVAC systems replaced on 1st & 2nd floors May '24, Roof replaced Summer '23, upgraded 400-amp electrical service w/ whole-home surge protector Feb '23, termite bond + EV charging outlet in garage. Step inside to find a formal dining room, a flexible home office/living room with French doors, and a massive family room with a stone fireplace, all flowing into a gourmet kitchen boasting granite countertops, abundant cabinetry, and a large island with bar seating. The sunlit breakfast area features soaring ceilings and panoramic windows that bring the outside in. Want outdoor living? There's a gorgeous screened porch, stamped concrete patio with a built-in fire pit and a garden has been started for you! Upstairs, you'll find generously sized secondary bedrooms, a versatile loft space, and a large laundry room w/built-in cabinetry. The Primary Suite is a showstopper—featuring a custom walk-in closet and a spa-like bath with a soaking tub, dual vanities, separate shower, and private water closet. The third floor is a dream: full bath, wet bar, beverage fridge area, and walk-in attic storage. You'll also love the California Closets system in the kitchen pantry and main floor closets! Don't miss this incredibly well-maintained home in one of the area's most desirable communities. HURRY—this one won't last!
Source: TRIANGLEMLS #10094894
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: TRIANGLEMLS #10094894
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.