660 Mill Creek Rd, Newport, NC 28570
3 beds · 2 baths · sqft sqft
Welcome to this beautiful 3-bedroom, 2-bathroom home nestled on a spacious lot in the tranquil town of Newport, NC. This property offers the perfect blend of coastal living and modern convenience, located just minutes from the scenic Crystal Coast and the charming community of Morehead City. As you step inside, you'll be greeted by an open, inviting floor plan featuring LVP and tile floors and plenty of natural light. The living area is perfect for relaxation, with a cozy fireplace adding warmth. Off the living room is the ideal space for a home office, formal dining, or casual library. The eat-in kitchen is designed for everyone, boasting granite countertops, a stainless-steel apron front farmhouse sink, soft-close drawers and cabinets, a pantry, and a convenient island for meal prep or casual dining. Passing through the laundry room is another spacious area perfect for a family room, home gym, or playroom; the choice is yours! The primary suite provides a peaceful retreat with an en-suite bathroom featuring tile floors, a large soaking tub, and a tiled walk-in shower. Two additional spacious and versatile bedrooms offer plenty of room for family, guests, or a home office. Outside, the property shines with mature landscaping, a fenced backyard, an irrigation system, and a screened porch perfect for outdoor entertaining or simply enjoying the serene surroundings. The front porch is welcoming and spacious, ready for guests and friends. The detached garage includes a bathroom downstairs and an upstairs bonus room. The ample parking adds practicality to this already charming home. Located near Mill Creek, this home is a nature lover's dream. It offers easy access to boating, fishing, and all this area's coastal activities. Plus, it's a short drive to the area's shopping, dining, and local attractions. Don't miss your chance to own this Newport gem, offering tranquility and proximity to the best of the Crystal Coast!
Source: NORTHCAROLINAREGIONAL #100472709
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100472709
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #100472709