10217 Colliers Chapel Church Rd, Linden, NC 28356
3 beds · 3 baths · 2,138 sqft
NOW WITH 5K IN SELLER-PAID CLOSING COSTS with acceptable offer! Want ordinary? Scroll on because this is NOT the house for you. This home is for those who want unique and extraordinary. This 1910 time capsule sits on over 4 acres of serene countryside in Linden, NC, and brings all the charm, quirks, and history you'd expect—plus a few surprises! Just 25 minutes to Fort Bragg, less than an hour to Raleigh, and 20 minutes to Campbell University, this is where rural retreat meets modern convenience. Picture this: you're sipping sweet tea on the rocking-chair front porch while the pecan trees in the yard drop fresh nuts at your feet. Or maybe you're hosting a backyard bash on the wraparound patio, complete with ceiling fans to keep you cool as the deer stop by for their evening visit. Got toys? There's a massive carport with RV hookups and a shed big enough to store whatever your heart desires. Chickens? There's a charming coop waiting for your feathered friends to move in. And don't forget the fresh paint, updated siding, and roof that's only 8 years old—because even a historic home deserves a little glow-up. Inside, the vibes are immaculate. Twelve-foot ceilings make everything feel bigger, brighter, and airier, while reclaimed wood accents and the original mantle whisper stories of a bygone era. The dual-sided gas fireplace adds a touch of modern coziness, perfect for warming your heart and your toes at the same time. The kitchen? Oh, it's a showstopper. A barnwood island with a breakfast bar, granite countertops, hidden spice racks, and top-of-the-line appliances make cooking here feel like less of a chore and more of a party. Bonus: the French door fridge conveys, so go ahead and stock up on snacks for your guests. When it's time to unwind, the owner's suite doesn't disappoint. Dual walk-in closets mean no arguments over space, and the massive shower with two heads might just change your life. But the real star? An original clawfoot tub that has literally witnessed history—it's rumored to have been the birthplace of several babies. Talk about character! This home is a lifestyle. Hunt in your own backyard, ride ATVs through the nearby trails, or stroll over to the Little River Community Park for some tennis, basketball, or splash pad fun. And when you're hungry, don't worry—Dino's Pizza delivers the best wings straight to your door. Whether you're a history buff, a nature lover, or just someone who appreciates a house with personality, this one-of-a-kind gem checks all the boxes.
Source: TRIANGLEMLS #10071076
Financials
Source: Public records
Source: TRIANGLEMLS #10071076
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.