126 Katrina St, Sneads Ferry, NC 28460
4 beds · 3 baths · 2,470 sqft
Discover this beautifully upgraded 4-bedroom home tucked away on a cul-de-sac, just minutes from the back gate of Camp Lejeune. Thoughtfully improved and well-maintained, this home offers both comfort and convenience in a prime location. Step through the front door, secured by a newly installed double-cylinder keypad lock, and into a stylish, open layout. The entire first floor boasts durable, wood-look ceramic tile flooring. A formal dining room provides plenty of space for entertaining, while the breakfast nook is perfect for casual mornings. The kitchen is enhanced with under and over-cabinet lighting, giving it both a modern touch and extra functionality. The main level also features a cozy living room with an electric fireplace, a versatile office or entertainment room near the foyer, and a convenient half bath. Upstairs, luxury vinyl plank (LVP) flooring—installed in 2020—flows throughout all four bedrooms and an additional office or craft room. The master suite offers a spacious walk-in closet with extra shelving and a beautifully remodeled walk-in shower. Tech and hobby enthusiasts will love the upgrades, including CAT 6A ethernet wiring in three rooms and a garage built for efficiency with newly added overhead storage racks and a dedicated 240V outlet—perfect for EV chargers or power-hungry shop tools. Outside, the private, fenced backyard is a true retreat. A covered porch overlooks the shaded yard, while a custom stone patio creates an ideal space for relaxing or entertaining. Situated in a welcoming neighborhood just outside the base and within easy reach of North Topsail beaches, this home is move-in ready and packed with extras. Don't miss your chance—schedule a showing today!
Source: NORTHCAROLINAREGIONAL #100497264
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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 #100497264
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.