6124 Castleton Ct, New Bern, NC 28560
3 beds · 2 baths · sqft
Waterfront Living at Its Best in Fairfield Harbour! Discover the perfect blend of lifestyle and leisure in this stunning canal-front home located in the highly sought-after gated community of Fairfield Harbour. With direct canal access, you can dock your boat, kayak, fish, or paddleboard right from your backyard. This charming home features a brand-new roof installed in October 2024, modern stainless steel appliances, a cozy front porch for welcoming guests, and a serene Carolina Room overlooking the canal. Fairfield Harbour offers an array of amenities, including pickleball and tennis courts, a covered pavilion picnic area with restrooms and charcoal grills, and access to Harbour Pointe Golf Course, available for daily or seasonal use. Whether you're an outdoor enthusiast or simply seeking a tranquil retreat, this home and community offer the perfect opportunity to enjoy waterfront living in a vibrant setting. Schedule your private tour today and experience the lifestyle you've been dreaming of!
Source: NORTHCAROLINAREGIONAL #100479211
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100479211
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: #100479211
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.