114 Osier Dr, Hampstead, NC 28443
5 beds · 4 baths · 3,228 sqft
Welcome to 114 Osier Dr, a spacious and beautifully maintained 5-bedroom, 3.5-bath home in the desirable neighborhood of Dogwood Lakes. On the main level, you'll find a bright and open living room, a formal dining room, and a stunning kitchen featuring granite countertops and stainless steel appliances. The sunroom, currently used as a playroom, adds extra versatile space, while the screened porch is ideal for relaxing or entertaining. Upstairs, all five bedrooms are thoughtfully arranged for privacy and convenience. The expansive primary suite includes a trey ceiling, a cozy sitting area, and a luxurious en-suite bath with a walk-in shower, soaking tub, dual vanities, and a spacious walk-in closet. One secondary bedroom features its own private full bath, perfect for guests or a teen suite, while the remaining three bedrooms share an additional full bath. The fifth bedroom, with custom built-in shelves, offers flexible use as a bonus room, playroom, or home office. Situated on a generous 0.71-acre lot, the fenced in backyard offers endless outdoor possibilities. Located just off Route 17, commuting is a breeze whether you're headed to Wilmington or Jacksonville. You're also just about 10 minutes from Surf City Beach, 20 minutes to the Stone Bay Gate, and 25 minutes to the back gate of Camp Lejeune. Schedule your showing today to experience all this wonderful home has to offer!
Source: NORTHCAROLINAREGIONAL #100495325
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 #100495325
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 of Equal Opportunity Act.