4 Horizon Ct, Whispering Pines, NC 28327
4 beds · 3 baths · 2,300 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your dream home in the heart of Whispering Pines. Nestled in a peaceful cul-de-sac in the established Foxcroft neighborhood. A home surrounded by mature trees and lush landscaping, this stunning 4-bedroom, 3-bathroom gem offers comfort, elegance, and space in one of the area's most desirable communities. Featuring a spacious, beautifully maintained yard perfect for outdoor living. Inside, vaulted ceilings and a popular split-bedroom floor plan create a welcoming and functional layout. The luxurious master suite includes his and hers closets, soaking tub, granite countertop, and a large tiled walk-in shower. A formal dining room adds a touch of elegance, while the open-concept kitchen offers granite countertops, a breakfast bar, and a sunny breakfast nook ideal for casual meals. The home boasts beautiful hardwood flooring throughout, tiled kitchen and bath, and newly installed carpet in the bedrooms. An upstairs second primary suite provides an ideal space for guests, multi-generational living, or a private retreat. Ample storage is available with a massive attic that includes three levels of storage space. Additional highlights include a temperature-controlled encapsulated crawlspace, and brand new HVAC systems and septic leach field, both installed in 2025. Built by Kirby Construction, known for quality craftsmanship and thoughtful design, this home is located just minutes from the charming Village of Pinehurst and offers convenient access to Fort Bragg and Camp Mackall—perfect for military families or anyone seeking both tranquility and connectivity. This home blends classic Southern charm with modern amenities and a layout that meets today's lifestyle needs. Whether you're entertaining guests or enjoying a quiet evening under the stars, 4 Horizon Court truly offers it all. Don't miss your chance to own a home in one of Whispering Pines' most cherished neighborhoods.
Source: NORTHCAROLINAREGIONAL #100500901
All values shown are estimated costs / mo.
Source: Public records
Source: NORTHCAROLINAREGIONAL #100500901
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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.