10217 Colliers Chapel Church Rd, Linden, NC 28356
3 beds · 3 baths · 2,124 sqft sqft
Step into a storybook setting at 10217 Colliers Chapel Church Rd, where history meets charm on this enchanting farmstead. Originally part of the Old West Farm, this 1910 farmhouse has been lovingly transformed, blending its rich past with modern-day comforts. Renovated between 2014 and 2016, every corner of this home tells a tale. Imagine waking up in a home where a clawfoot bathtub, original to the house, whispers stories of the past, even being the birthplace of several babies. The heart of the home is warmed by a two-sided fireplace, cozily heating both the living room and dining room, perfect for gatherings. Twelve-foot ceilings in the front rooms stretch toward the sky, flooding the space with light and grandeur. In the kitchen, thoughtful details like hidden spice racks and a bar made of reclaimed barnwood add character and charm. Outside, the countryside feels like your personal paradise. Four towering pecan trees grace the land, producing a bountiful harvest annually, or sometimes every other year. A wraparound porch wraps you in the comfort of slow, peaceful mornings, perfect for sipping coffee as you watch the sun rise over your property. The grounds are ready for exploration, with ATV trails winding through the woods and an adorable red barn that's ideal for housing horses, complete with stalls and electric pasture fencing in excellent condition. Whether you're exploring the property or hunting, this farm offers endless outdoor adventures. For those with a love of travel, an RV carport with power hookups, and water awaits your next road trip or weekend escape. Adding to the charm is a cute well house, looking like it was lifted straight from the pages of a fairy tale, and a shed tucked away in the back for extra storage. Modern updates complement the home's historic features, ensuring comfort year-round. A new 2023 HVAC unit keeps you cool in the summer and warm in the winter, while the architectural shingle roof, only eight years old, promises longevity. The home has been freshly painted both inside and out, shining with new life while still holding on to its century-old soul. Beyond the property, there are even more excitement awaits, including a new park with a splash pad, walking paths, courts, and rentable pavilions just a mile away. You'll also enjoy easy access to many dining and shopping options, including local favorites that deliver right to your door! This home is more than a place to live—it's a dream come true. With its deep sense of history and updates, this property is a rare gem waiting for its next chapter to unfold.
Source: TRIANGLEMLS #10059938
Interest rate and monthly payment estimated based on public records.
Source: TRIANGLEMLS #10059938
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: #10059938
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