103 Currituck Dr, Hertford, NC 27944
3 beds · 3 baths · sqft sqft
SAILBAOT INCLUDED! Your dream home awaits you in Albemarle Plantation, a gated golfing community situated on the Albemarle Sound. *Assumable Va Loan @3.125%. This custom-built home is beautifully landscaped, perfect for outdoor living with a covered front porch & expansive back deck, equipped with a retractable awning, hot tub, & tranquil koi pond situated under a new pergola. Perfect for entertaining with wood floors, a gourmet kitchen with a gas range, granite counters, breakfast room, custom cabinetry with built in desk, & a large pantry. Host dinners in the elegant formal dining room, featuring wainscoting walls, & an inviting family room with double French doors. There is also a spacious den, with built in cabinetry, & a cozy gas fireplace, great for family gatherings. An added bonus, a bright and spacious sunroom, perfect for the plant enthusiast. The master ensuite features a skylight, walk-in-closet, & a spa-like bathroom, adorned with travertine tile flooring, a custom tiled shower built for 2, granite countertops, & wood cabinetry with a dedicated vanity area for the Mrs. There are 2 more bedrooms, along with a office, a 2nd bathroom with custom tile & granite counters, & a powder room adorned with a unique vanity sink, & granite counters. The 2 car garage has a massive finished FROG, with its own staircase. This space would be perfect for a game room or potential 4th bedroom. You will find ample storage space & numerous upgrades including a refinished driveway/garage costing over $16,000. Best of all, enjoy all the amenities of Albemarle Plantation. The Sound Links Golf course, designed by Dan Maples. A waterfront clubhouse offers a dine-in restaurant with stunning views of the Albemarle Sound. A fitness center with Olympic swimming pool. For the boating enthusiast, the marina is one of the largest on the east coast, with fuel service, & deep-water slips accommodating boats up to 60 feet. Seller will pay $7,500. Hoa Fees with acceptable offer!!!
Source: NORTHCAROLINAREGIONAL #100450056
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100450056
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #100450056