802 Jonnie Dr, Hubert, NC 28539
3 beds · 2 baths · 1,794 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Deceivingly Spacious Open Concept MUST-SEE Stunning Ranch Home in Gated Waterfront Community! Welcome to this stunning Garland Shores home, where coastal charm and modern comfort come together seamlessly! This inviting single-story home offers the perfect blend of indoor & outdoor living with spaciousness and style. 3 generously-sized bedrooms, 2 full baths, a large 2-car garage & additional shed storage. The vaulted ceilings, open-concept design and beautifully crafted outdoor spaces create a welcoming atmosphere, perfect for family and friends. Inside, wide plank floors, soaring ceilings, and elegant architectural details create an inviting atmosphere. A guest bedroom and full bath at the entrance provides privacy for visitors. The heart of this home is the great kitchen, dining, and living area, where cathedral ceilings and large windows flood the home with natural light. The chef's kitchen features a granite-topped island with sink and dishwasher, keeping you engaged while entertaining. Two-toned cabinetry adds a stylish touch, blending functionality with design. A Private Retreat in the Primary Suite The primary bedroom is a peaceful escape with a spa-like en-suite bath featuring dual vanities, a walk-in shower, and a full-size soaking tub. A remarkable walk-in closet provides ample storage. Outdoor Living - Truly in & outdoor living! Step outside to a custom-built EZ Breeze back patio designed for year-round enjoyment. The 14X16 enclosed section includes screens for summer breezes and windows for cooler nights. Stamped concrete floors add elegance, and a 50'' mounted TV (conveys!). The 14X8 covered patio extension offers a shaded grilling area, and a 10X16 side lofted barn provides extra outdoor storage. Exceptional Community & Amenities Located in Swansboro's premier gated waterfront community, this home offers: ✔ Pool, pier & pavilion ✔ Kayak launch
Source: NORTHCAROLINAREGIONAL #100493611
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: NORTHCAROLINAREGIONAL #100493611
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.