230 Baytree Dr, Jacksonville, NC 28546
3 beds · 2 baths · sqft
Located in a highly sought-after neighborhood just 3 miles from the Piney Green Gate of Camp Lejeune, this beautifully updated single-story ranch home offers both comfort and convenience. The home features a spacious, open floor plan with modern finishes throughout. The kitchen has been updated with granite countertops, providing a stylish and functional space for cooking and entertaining. The guest bathroom has also been recently updated, offering a fresh, contemporary look. The large primary suite is a true retreat, complete with a generous walk-in closet and an en-suite bath featuring a soaking tub and a separate shower. Two additional spacious guest rooms offer plenty of natural light and share easy access to the second full bath, ensuring comfort for family or guests. Enjoy the outdoors in the large, fully fenced-in backyard—perfect for privacy and relaxation. A storage shed provides extra space for tools, equipment, or outdoor gear. Children will appreciate the convenience of having both elementary and middle schools located within the neighborhood. Don't miss out on this gem in a prime location—schedule a showing today!
Source: NORTHCAROLINAREGIONAL #100476956
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100476956
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: #100476956
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.