316 Hunters Creek Dr, Goldsboro, NC 27534
3 beds · 3 baths · 2,379 sqft
Prepare yourself, This home is almost brand new in 2022. The attention to detail the sellers have shown throughout each individual room is evident. The home boasts Hard wood floors throughout the home bring a welcome warmth and tile in the baths bring a brigtness and touch of individuality. The formal Dinning room has French doors and coffered designed ceiling with gorgeous chandelear.The Living room has gas fireplace. There is also an additional Den area that can be used many ways and a 1/2 bath. The Kitchen has sliding door that leads out to a brand new deck inside the fenced in yard. The kitchen is eligantly designed with a penensula, island , coffee bar area and a dream pantry with beautiful glass pocket door. It also offers a gas stove, gas hot water heater and newer appliances ( installed in 2022) There is a convenient side entrance with the opportunity to make it your own drop zone, addional storage space, whatever your desires. Moving up the stairs to the second floor you find the Primary En Suite with an amazing spa like feel from the walk in tile shower, seperate tub and amazing storage all baths also new in 2022. There are 2 more spacious bedrooms and an office that could also be a nursery or library -again whatever you desire and a second full bath. Addtionally you will experience an amazing large laundry room with storage beautiful granite covererd cabinetry for sorting/ folding laundry also with hanging space for drying clothes and overhead cabinetry all new in 2022. There is 1.16 acres to enjoy outside with a detached 16 X 32 storage shed with automatic garage door as well as walk door, so many options for this great space. There is a 50 amp plug for an RV hookup on the side of the home as an additional convenience. An irrigation systme isin place that runs off a well on the property. Part of the backyard has beautiful grass and part is wooded for privacy- best of both worlds. Hurry and schedule your showings now!
Source: NORTHCAROLINAREGIONAL #100496750
Financials
Source: Public records
Source: NORTHCAROLINAREGIONAL #100496750
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.