20 Exbury Dr, Youngsville, NC 27596
3 beds · 3 baths · 2,852 sqft
Discover the perfect blend of updated elegance and outdoor charm in this stunning 3-bedroom, 3-bathroom home, set on a private, fully fenced lot just minutes from Rolesville, Wake Forest and Raleigh. Every inch of this home has been designed for comfort and convenience, offering space, style, and serenity. The main floor features a smart layout with all three bedrooms, an office, beautifully updated living spaces as well as laundry room. The kitchen is a showstopper with stainless steel appliances, granite countertops, and room to entertain. With an abundance of cabinets and counter space, the kitchen is a cook's dream! The primary suite shines with a fully renovated bathroom boasting a luxurious walk-in shower with intricate tilework, a new vanity, modern flooring, and a sleek new toilet. Upstairs, you'll find a large bonus room, a flex space with a bar area and mini-fridge, and another fully updated bathroom. Need storage? Enjoy 269 square feet of walk-in attic space. Step outside to your personal retreat! The 30-ft deck overlooks a 24' above-ground HEATED, Oxygen pool (installed just 3 years ago) and a cozy fire pit, perfect for gathering year-round. A wired 12x20 workshop offers endless possibilities for hobbies or storage. Nature lovers will adore the wildlife sightings, with deer roaming almost nightly, while still enjoying the convenience of being just 6 miles from shopping and 5 miles from the highly anticipated Publix opening this spring. This home truly offers the best of both worlds—modern updates and peaceful outdoor living. Schedule your private showing today!
Source: TRIANGLEMLS #10064568
Interest rate and monthly payment estimated based on public records.
Source: TRIANGLEMLS #10064568
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: #10064568
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.