1121 Barkentine Dr, New Bern, NC 28560
4 beds · 4 baths · 2,976 sqft
**🏆Your Dream Home in Fairfield Harbour— Where Every Day Feels Like a Win! 🏆** Welcome to life in Fairfield Harbour, where resort-style amenities like golf, marinas, boat ramps, pickleball & tennis courts, dog parks, and a vibrant community center make every day feel like a victory. Now step onto the home field of this fully updated two-story retreat with over 2,900 sq. ft. of heated living space *plus* multiple bonus rooms—ideal for multi-gen living, entertaining, or just spreading out. **🏀 MVP-Worthy Upgrades** Freshly remodeled top to bottom with new flooring, paint, blinds, and ceiling fans. The star of the show? A reimagined kitchen with sleek cabinetry, a new coffee bar, large island, walk-in pantry, and oversized utility space—perfect for everyday living or game-day hosting. **⚾ Game-Changing Layout** The first-floor private entrance opens into a spacious mudroom and leads to a second master suite, full bath, game/family room, and bonus room (not included in square footage). A built-in bar area sets the scene for epic gatherings. **🏌️ Championship-Caliber Primary Suite** Upstairs, three large bedrooms each have their own bathroom. The primary suite scores big with its own coffee bar and access to a bright sunroom—your personal retreat to recharge and plan your next move. **🌳 Outdoor Highlights** Enjoy a new ground-level patio, spacious deck overlooking a wooded backyard, and bonus storage off the garage. **🏁 Don't Miss Your Shot!** With an unbeatable location, top-tier upgrades, and championship-level features, this home is ready to be your next big win.
Source: NORTHCAROLINAREGIONAL #100488263
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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
Source: NORTHCAROLINAREGIONAL #100488263
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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 of Equal Opportunity Act.