126 Creeks Edge Dr, Sneads Ferry, NC 28460
3 beds · 2 baths · sqft
This very well-maintained home is situated in the very desirable waterfront community of Creeks Edge. As you enter the home, a lovely living room with engineered wooden floors welcomes you and feels as though it was made for cozy evenings with a nice glass of wine, reading your favorite author, playing family games, conducting deep conversations or just watching movies. The open concept connects the living room with a dining room and a kitchen which has adequate storage cabinets, stainless steel appliances, granite counter tops and a large, single-basin stainless steel deep-sink which will please every chef. The private Master Suite with a trey ceiling offers a walk-in closet and a Master Bathroom with double vanity and granite counter tops and a custom-tiled shower. Two spare bedrooms share a full bathroom. A large laundry room with built-in cubbies and woodgrain Florida tiles is conveniently located on the main floor. A large bonus room upstairs can be used as a family room, a media room or a man cave. Let your imagination run wild. An oversized aluminum framed screened-in patio overlooks a beautiful and partially wooded backyard which begs for some fun to be had. Looking for more fun and activities? Jump into a kayak at the community kayak launch and do some rip'n & grip'n, take a short ride to highly rated Topsail island beaches or hit the golf ball at a 4-star rated golf course. The absolutely amazing location is another feature which this property offers: situated on the coastal side of the fishing village of Sneads Ferry, close shopping and 5 minutes from the back gate of Camp LeJeune.
Source: NORTHCAROLINAREGIONAL #100476751
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100476751
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.
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 “Get Notified” 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 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.
MLS ID: #100476751
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.