36 Whitehall Dr, Pittsboro, NC 27312
4 beds · 4 baths · 2,443 sqft
Conveniently located in the Vineyards at Chatham Park! Crafted by Garman Homes in 2022, this energy efficient home offers an open floor plan with a 1st floor guest bedroom and private full bath. The heart of the home, the chef's kitchen comes complete with Shaker panel cabinets and crown trim. The white subway tile backsplash blends seamlessly with the granite countertops. A large corner pantry is great for extra appliance and food storage. Energy Star stainless steel appliances include a gas cooktop, and a large center island with a breakfast bar is illuminated by the stylish glass pendant lights above. The casual dining area features an elegant wagon wheel chandelier and recessed lighting. Beautiful LVP floors are featured throughout the 1st floor main living areas. A mudroom with built-in bench and cubby storage makes a great drop zone area. As you ascend the turned hardwood staircase, you'll notice a brushed nickel farmhouse hanging light and single window with blinds. The 2nd floor is home to a spacious primary bedroom suite that adjoins a spa-like bath boasting 12''x24'' tile floors, accented by an oversized dual vanity with custom painted cabinetry and quartz countertops. Relax and refresh in the tile surrounded soaking tub or take a shower in the seamless glass enclosed shower with a bench seat and tile surround. A full bathroom with tile floors, and custom painted cabinets with quartz countertops is positioned between 2 spacious secondary bedrooms. Out back you have a large deck for grilling and steppingstones lead to your 2-car detached garage with an electric car charging station. You'll enjoy numerous amenities including a private swim and pickleball facility, a community park and an onsite school and daycare. And, you are just moments to downtown Pittsboro. Energy efficient features include EPA Water Sense Plumbing Fixtures, Fresh Air Ventilation, High Efficient Toilets, LED Lighting, Programmable Thermostat, Radiant Barrier Roof Deck, Sealed Crawlspace and Drought Resistant Landscaping.
Source: TRIANGLEMLS #10045371
Interest rate and monthly payment estimated based on public records.
Source: TRIANGLEMLS #10045371
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: #10045371
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.