1412 Pitty Pats Path, Zebulon, NC 27597
3 beds · 3 baths · 2,932 sqft sqft
Welcome to your private retreat nestled on over an acre of beautifully landscaped grounds with mature trees. This stunning 3-bedroom, 3.5-bath home offers 2,792 sq. ft. of thoughtfully designed living space, ideal for both everyday living and entertaining. Step inside to find hardwood floors throughout the first level, leading to a modern, updated kitchen equipped with contemporary appliances and ample cabinetry—perfect for the home chef. The primary bedroom is conveniently located on the first floor, providing ease and privacy. The light-filled sunroom provides a peaceful escape, offering the perfect space to relax or enjoy your morning coffee. Step outside to the expansive back deck, perfect for hosting gatherings or simply enjoying the serene surroundings. The fenced-in yard features an above-ground pool, installed in 2015, ready for summer fun, and a large 12x30 workshed with electricity, purchased in 2020, ideal for hobbies or extra storage. The master suite, along with two additional spacious bedrooms, ensures comfort and privacy for all. A bonus room on the second floor offers endless potential as a playroom, office, or media center. Modern conveniences include a tankless water heater, ensuring endless hot water, two HVAC systems (installed in 2020 and 2021) for year-round comfort, and a sealed crawlspace for added efficiency. Additional highlights include a new screened porch added in 2017, perfect for enjoying the outdoors in any weather, and a security system that conveys with the property for peace of mind. The two-car garage with a long driveway provides plenty of parking space, adding to the home's overall convenience.
Source: TRIANGLEMLS #10058663
Interest rate and monthly payment estimated based on public records.
Source: TRIANGLEMLS #10058663
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: #10058663
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.