3103 Oaks Rd, New Bern, NC 28560
3 beds · 2 baths · sqft
Discover timeless elegance in this beautifully renovated home, ideally situated close to downtown New Bern's vibrant shops, dining, and historic attractions. Boasting a harmonious blend of craftsmanship and modern amenities, this home is a rare find. Key Features Include: - **Light-Stained Hardwood Floors**: Found throughout most of the home, complemented by a custom front door, a striking mantle, and an exposed faux beam for added character. - **Exquisite Tile Details**: Marble, cement, and porcelain subway tiles enhance the floors, walls, and fixtures, showcasing exceptional attention to detail. - **Custom Craftsmanship**: Majestic Shaker Crown Molding, inspired by America's popular port cities and Midwest destinations, pairs beautifully with Craftsman-style windows, doors, and casings. - **Open Floor Plan**: Features open shelving in the kitchen and baths, marble countertops, and a spacious layout perfect for entertaining. - **Sophisticated Touches**: Porcelain apron sink, gold-tone fixtures, and naval blue-painted interior doors add warmth and charm. - **Modern Conveniences**: - Remote-controlled natural gas fireplace with manual options. - Smart technology for the range/stove vent and bathroom fans, plus a smart thermostat for optimal comfort. - Energy-efficient tankless natural gas water heater with convenient wall controls in the laundry area. - New natural gas and electric HVAC system located in the attic for unobtrusive climate control. - **Thoughtful Outdoor Spaces**: Enjoy the wrap-around porch with two ceiling fans, window shutters, and French-style storm doors leading to the sunroom addition. This home offers a seamless mix of historical charm and contemporary upgrades, with luxurious finishes at every turn. Schedule a showing today and experience the allure of 3103 Oaks Road, a true gem near the heart of New Bern.
Source: NORTHCAROLINAREGIONAL #100479853
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100479853
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: #100479853
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.