2857 Little Gem Cir, Winterville, NC 28590
4 beds · 3 baths · sqft sqft
Welcome to your dream home on Little Gem Circle—a perfect blend of comfort, style, and family-friendly living. Nestled in a quiet, tree-lined neighborhood, this charming property offers a private sanctuary for your family to thrive. The expansive backyard, surrounded by mature trees and fully enclosed with PVC fencing, provides a safe, secluded space for children to play or for quiet outdoor moments. The large deck and screened porch offer the ideal settings for family gatherings, outdoor dining, or simply relaxing while enjoying the peaceful surroundings. With energy-efficient solar panels, this home is as practical as it is beautiful, helping reduce your energy costs while embracing a more sustainable lifestyle. Inside, the home is designed for both everyday living and entertaining. The formal dining room is perfect for holiday meals, while the spacious eat-in kitchen is ideal for casual family dining or homework sessions. The kitchen is thoughtfully laid out to encourage togetherness, whether you're cooking or sharing a meal. At the end of the day, retreat to the oversized primary suite, a true oasis with a spa-like ensuite bath designed to help you unwind in style. In addition to ample bedrooms, the home features a versatile loft space—ideal for a playroom, home office, or cozy reading nook, offering flexibility to meet your needs. This home is more than just a place to live; it's a lifestyle. Whether you're enjoying time in the backyard, cooking together in the kitchen, or relaxing in the luxurious primary suite, this property provides the perfect setting for creating lasting memories. Don't miss out—come see it today!
Source: NORTHCAROLINAREGIONAL #100465617
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100465617
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 30-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: #100465617
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.