102 Hills Lorough Loop, Jacksonville, NC 28546
3 beds · 3 baths · sqft
Welcome to this beautifully upgraded two-story home in the Carolina Forest community, where luxury meets everyday comfort. Set on a spacious .34-acre lot, this property is designed for entertaining and relaxation alike. Step outside to your private oasis featuring a 35-foot heated saltwater pool with multicolor lights, custom concrete surround, an added roof over the extended concrete patio, and a tranquil koi pond, perfect for unwinding after a busy day. Inside, you'll find a chef's dream kitchen equipped with top-of-the-line stainless steel appliances, a gas stove and oven, granite countertops, an upgraded Kohler sink, stylish backsplash, and enhanced cabinetry hardware. With new paint and floors throughout, updated flush-mounted LED lighting, and a custom-built closet organization system in the master and kids' bedrooms, every detail reflects thoughtful luxury. Upstairs, a recently renovated loft and theater area provide the ideal space for movie nights or casual gatherings, with anti-UV heat control tint on all windows to ensure year-round comfort. Downstairs, the living room is warmed by a natural gas fireplace, complete with an upgraded tile mantle and floating shelves for an elegant, modern touch. An app-enabled garage door system with a built-in camera, a new 120V electric vehicle charger, upgraded elongated toilets throughout, a half-bath remodel and flex room converted to the fourth bedroom add thoughtful functionality for families of all sizes to this like-new home. Beyond the property, the Carolina Forest community offers a spacious clubhouse, a resort-style pool, and a large playground, adding to the family-friendly appeal of this exceptional home. Don't miss the chance to experience a lifestyle of comfort and elegance in this exceptional Carolina Forest property!
Source: NORTHCAROLINAREGIONAL #100475268
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100475268
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: #100475268