654 Christian Light Rd, Fuquay Varina, NC 27526
4 beds · 4 baths · 2,814 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Exquisite Craftsman charm with modern elegance! Nestled on a spacious .91-acre lot in a desirable Fuquay-Varina location, this breathtaking 4-bedroom home boasts exceptional curb appeal and a charming rocking chair front porch. A striking double-door, two-story entry with elegant wainscoting and beautiful hardwood flooring welcomes you into the open-concept Family Room, where a dramatic ceiling, custom built-ins, and a fireplace create an inviting atmosphere. French doors lead to a screened porch, perfect for enjoying the serene outdoors. The beautifully designed two-tone Kitchen showcases white cabinetry, Granite counters, a stylish white subway tile backsplash, SS appliances, and modern fixtures. The massive center island is a stunning focal point, featuring a sink and ample room for bar seating. The adjacent Dining Room impresses with its tray ceiling, walls of wainscoting, and windows that flood the space with natural light. A convenient Mud Room off the Kitchen offers custom shelving, a drop zone, and bench seating, while the well-appointed Laundry Room includes a sink and additional storage. The luxurious 1st-floor Owner's Retreat is a true sanctuary, showcasing a spa-like ensuite bath with a dual white vanity, custom walk-in closet, an oversized walk-in tiled shower, and a freestanding soaking tub. A desirable 1st-floor Guest Bedroom with a private en-suite bath adds extra convenience. Upstairs, two spacious secondary bedrooms, each with custom walk-in closets, share a stylish full bath. A huge versatile Bonus Room provides endless possibilities for a media room, playroom, or home office. Outside, the beautifully landscaped yard offers plenty of space for outdoor activities. The screened porch and patio provide an ideal setting for entertaining, while the fenced backyard ensures privacy. Additional highlights include a Shed, 2-car side entry Garage, No HOA, No City Taxes, and a great location close to schools, shopping, dining, and major highways.
Source: TRIANGLEMLS #10075410
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 #10075410
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.