210 Winder Way, Carthage, NC 28327
4 beds · 4 baths · 3,105 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this beautifully 3,105 sq ft home, perfectly nestled just minutes from the charming Town of Vass. With 4 bedrooms, 3.5 bathrooms, and a layout designed for everyday living and effortless entertaining, this home has space, style, and heart. As you step through the front door, you're immediately greeted by freshly replaced flooring and a fresh coat of paint that flows throughout the entire home, creating a clean and welcoming feel from the moment you arrive. Just off the entryway, a formal dining room sets the scene for gatherings and special meals. Continue into the heart of the home, where the living area opens up to a bright breakfast room, an ideal spot for your morning coffee or casual weekend brunch. The kitchen is functional and full of possibility, with plenty of room for meal prepping, baking, and making memories. The primary bedroom is thoughtfully placed on the main floor, offering a peaceful retreat with a spacious layout and a beautifully customized walk-in closet featuring wooden shelving. Every bedroom in the home includes upgraded closets with custom built-ins designed to keep your spaces both beautiful and organized. Upstairs, you'll find brand new carpet and an airy layout that includes three additional bedrooms, a generous loft space perfect for a playroom or media lounge, and a large bonus room that can easily become a home office, gym, guest suite, or whatever you need it to be. Step out back & you'll discover a screened in porch, perfect for slow mornings, evening conversations, or simply enjoying the quiet beauty of the outdoors. With thoughtful updates throughout, spacious living areas, and charming touches in every room, this home offers endless potential and all the comfort you've been looking for.
Source: NORTHCAROLINAREGIONAL #100500118
All values shown are estimated costs / mo.
Source: Public records
Source: NORTHCAROLINAREGIONAL #100500118
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 and Equal Opportunity Act.