3551 Lacebark Ct, Southport, NC 28461
4 beds · 4 baths · sqft
Welcome to Your Dream Home at 3551 Lacebark Ct! Nestled in the highly sought-after Woodlands section of St. James, this charming 2,498 sq ft residence offers an exceptional blend of comfort and style. Featuring 4 spacious bedrooms, 3 with ensuites and 4 full baths, this home is perfect for both relaxation and entertaining. As you step through the inviting open foyer, you'll be captivated by the elegance of the formal dining room, adorned with exquisite coffered ceilings and wainscoting. The expansive living room also boasts coffered ceilings, luxury vinyl plank flooring, a cozy propane gas fireplace, and built-in bookcases, creating a warm and inviting atmosphere for gatherings. Experience year-round bliss in the stunning glass-enclosed tiled sunroom, seamlessly connecting you to the beauty of the outdoors. The chef-inspired kitchen is a true highlight, featuring a gas cooktop with a vented hood, a double oven/microwave, gleaming granite countertops, and custom cabinetry. An inviting eat-in area off the kitchen provides the perfect spot for casual meals. The primary bedroom has it's own ensuite complete with a soaking tub and walk-in shower along with 2 sinks with ample storage and a water closet. Completing the suite is a large walk-in closet. Convenience meets functionality with a well-appointed laundry room, complete with a sink and cabinets, leading directly into a spacious 2-car garage with a private entrance. A stairway off the tiled laundry room takes you to the versatile fourth bedroom above the garage, ideal for an office, craft room, or guest suite. The WIC has two built-in safes and storage off the closet in the attic. This home also offers outdoor living at its finest, with a charming covered front porch and an open patio in the back, overlooking a large yard surrounded by serene nature views. Don't miss your chance to own this beautifully designed home in a prime location. It's ready for you to make lasting memories! Welcome home to St James!
Source: NORTHCAROLINAREGIONAL #100477882
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100477882
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: #100477882
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.