103 Whistling Duck Ct, Moyock, NC 27958
4 beds · 3 baths · 2,529 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This beautifully crafted and well maintained 4 bedroom, 3 bath custom home is perfectly situated on .98 acres in Creekside Estates in Moyock, 6 minutes from the NC/VA line. LOCATION is key- Shingle Landing Boat Ramp, Shingle Landing Park, Eagle Creek Golf course, restaurants, grocery store, public library, schools and local Moyock Farm Market are all within minutes of this gorgeous home. Step inside from the quaint front porch to the versatile main level, featuring a spacious living room with coffered ceilings & a cozy fireplace, dining room with newly refinished hardwood floors and tray ceiling with custom crown molding and a tiled kitchen with custom cabinets & granite countertops. The 1st floor Primary Bedroom has an ensuite with dual vanity, jetted soaker tub, separate shower and custom designed walk-in closet. Two other sizable bedrooms are located on the main level. Upstairs you'll find endless options with a multilevel room boasting vaulted ceilings, a closet and it's own private full bathroom. This space is perfect for a Secondary Suite, Office space, Art studio, etc. Heading out to the backyard you'll find trex decking & over 1000 sq ft of stamped concrete patio, perfect for entertaining. The 12x20 cedar gazebo has a custom built bar & marine grade vinyl removable curtains to shield your outdoor fun from the wind and rain. This space is complemented by a Virginia Leisure hot tub, installed in 2024. And the backyard entertaining area is secured by a low maintenance vinyl fence. To the right of the home there's a substantial detached garage with cabinets, storage room, mini split unit and a full set of steps to a floored upstairs area that can be easily converted to a home gym, hobby room, etc. In 2023 a 16x24 lean-to was added by the owners for a space to keep their RV housed. Along with that addition, more concrete was added for increasing the driveway and parking areas. To say this place has it all is an understatement!!
Source: NORTHCAROLINAREGIONAL #100498768
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: NORTHCAROLINAREGIONAL #100498768
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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 and Equal Opportunity Act.