101 Twin Oaks Pl, Goldsboro, NC 27530
5 beds · 4 baths · sqft sqft
NEW LOWER PRICE AND SELLER WILLING TO ENTERTAIN VA LOAN ASSUMPTION AT 3 PERCENT ANNUAL PERCENTAGE RATE TO QUALIFIED VA BUYER Step into this absolutely gorgeous home that sits on almost a full acre inside city limits in the popular and quaint neighborhood of Twin Oaks Plantation! This home offers 3753 square feet and features FIVE large bedrooms and four FULL baths. Walk into the foyer with formal dining off to the left. Stunning wood plantation shutters on main floor! This home is also a split and open floor plan. Beautiful Canadian birch wood floors run through the living and dining room. Gorgeous ceramic tile floors in the kitchen with granite countertops, custom cabinets with custom storage throughout. Stainless appliances including a new huge 28 Cubic foot smart refrigerator! Master bedroom and 2 other bedrooms on first floor. 2nd and 3rd bedroom have brand new carpet! Master bedroom features hardwoods and en suite features dual vanities, soaker tub and separate oversized shower with handmade ceramic tiles. 2 remaing bedrooms and 4th full bath are upstairs along with a HUGE bonus room with fantastic surround sound in lofted bonus space being used as a media room. Home also features WALK IN ATTIC STORAGE SPACE! This home sits on a huge .97 acre corner lot that is also private, with trees and has an exterior storage space and a fantastic playground (conveys) on a 30x30 block foundation surrounded by play sand! Gorgeous back deck is great for backyard entertaining. City sewer! AMAZING location close to base and everything Goldsboro has to offer!
Source: NORTHCAROLINAREGIONAL #100471836
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100471836
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #100471836
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.