1234 Shadowbark Ct, Raleigh, NC 27603
3 beds · 2 baths · 1,397 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This stunning 3-bedroom, 2-bathroom townhome is nestled in the peaceful Pine Winds neighborhood and offers the perfect combination of charm, comfort, and modern convenience. With 1,397 square feet of well-designed living space and a main-level master suite, this home is a rare find in today's market. From the moment you step inside, you'll appreciate the care and attention that's gone into maintaining and upgrading this property. The open-concept main living area is warm and inviting, featuring updated tile, hardwood flooring, and carpet throughout, along with a new fireplace (2022) that adds a cozy focal point to the living room. The natural flow of the space makes entertaining and everyday living a breeze. The kitchen is complemented by newer stainless steel appliances, including a brand-new dishwasher (2024) and a new stove (2023)—ready for all your cooking and hosting needs. The first-floor primary suite offers the convenience of main-level living, while two additional spacious bedrooms upstairs provide room for guests, a home office, or a growing family. Both bathrooms were tastefully remodeled, offering fresh finishes and modern design. This home is loaded with big-ticket updates to give you peace of mind: new HVAC and water heater (2021), new windows and patio door (2022), and new front door and shed door (2021)—everything has been done for you. Just move in and enjoy! Step outside to a private back deck with built-in seating, ideal for relaxing evenings or entertaining friends and family. Whether you're grilling out or enjoying your morning coffee, this space is perfect for outdoor living. Located just off Highway 401, this property offers quick access to downtown Raleigh (only about 10 minutes away), making your commute simple while keeping you close to the area's best shopping, restaurants, and entertainment options. You'll love strolling through this quiet, well-kept community that feels like a retreat while still being close to everything. If you're looking for a turnkey townhome in a prime Raleigh location with thoughtful updates and modern comforts, 1234 Shadowbark Court is the one. Don't miss your chance—schedule a showing today and make it yours!
Source: TRIANGLEMLS #10089730
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: TRIANGLEMLS #10089730
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.