3533 Sanderling Dr SE, Southport, NC 28461
4 beds · 4 baths · sqft sqft
Welcome to your dream home in the highly desired gated community of St James. This stunning home is Located on the 15th fairway on the Irwin course at Members club. Imagine sipping your morning coffee on your oversized deck while taking in the scenery that includes ponds, fairway views and a variety of native birds local to St James. (St James is a bird sanctuary). This stunning home has 4 Bedrooms & 3 1/2 baths, providing plenty of room for family & guests. The openness of the main floor with its vaulted ceiling and stunning views makes this a must see! Recent updates include a completely redone kitchen/ dining area with custom cabinetry, Cambria quartz counters, tile backsplash, high-end Kitchen-Aid appliances and a stovetop w/ pop-up downdraft vent and pot-filler. Counter space seems to go on forever and the cabinets reach to the ceiling, offering storage aplenty. The large center island with its built-in beverage cooler gives you and your guests an extra place to relax and enjoy this awesome living space. Need to use the powder room? Yes, this has been updated and is nice and cozy. Other updates include LVP flooring throughout the living areas on the main level. The laundry room has plenty of cabinetry and space, complete with a large, deep sink. Water heater & whole-house water filtration system were put in in 2021 A new roof was installed in 2018 with the deck built in 2019. This home has poly-steel construction and Anderson windows giving you peace of mind on those stormy coastal evenings. A transferable termite bond and HVAC service contract are in place. St James offers 81 holes of championship golf, 12 tennis courts, a full service marina, privet beach club with gated parking lots, 3 fitness centers, 6 food outlets, pickleball, Bocci, Waterway park, Woodlands park, 2 community gardens, 2 dog parks, walking trails, biking trails...Want it all? St James has it!
Source: NORTHCAROLINAREGIONAL #100467410
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100467410
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: #100467410
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.