641 Par Dr, Jacksonville, NC 28540
4 beds · 3 baths · sqft
Welcome to this stately 4-bedroom, 2.5-bathroom old-southern style home, nestled in the exclusive Rock Creek Country Club community. Set back from the road with a side entry driveway, this beautiful residence sits on half an acre lot. As you step inside, you'll be greeted by a spacious foyer with a central staircase, leading to the formal dining room perfect for entertaining. Across the way, a versatile office/den opens to the cozy living room with a fireplace, ideal for relaxing or gathering with family. The kitchen, designed for efficiency and style, boasts stainless steel appliances, two peninsulas offering additional prep space and seating, and a breakfast nook that leads to a screened-in porch for enjoying your morning coffee. A convenient mudroom and laundry room leads to the attached two-car garage. One of the home's unique features is a back staircase from the breakfast nook, taking you up to a bonus room, perfect for a playroom, home gym, media space or a fourth bedroom. The second floor also offers a bedroom with a built-in bookcase and a french door leading to a private balcony. This room could be used as a bedroom or library. The expansive master suite features a walk-in closet and an en-suite bath. Throughout the second floor, LVP flooring enhances the elegant feel, with the exception of the bonus room where you are greeted with carpet. The backyard overlooks the picturesque 10th green of the Rock Creek Golf Course, providing stunning views. Ideally located between Jacksonville and Richlands, you're just minutes away from shopping, dining, and local amenities. Don't miss the opportunity to make this exceptional home yours! *Some images have been virtually staged
Source: NORTHCAROLINAREGIONAL #100471984
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100471984
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: #100471984
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.