903 Broadway St, Surf City, NC 28445
3 beds · 4 baths · sqft
Welcome to your dream coastal retreat, a stunning 3-bedroom, 3 1/4-bath reverse floor plan home designed to maximize both comfort and breathtaking views. Located within walking distance to Nelva Albury Park, local restaurants/bars, and public beach access, this marsh front property offers thoughtfully curated spaces perfect for entertaining and relaxation. The upper level is the heart of the home, featuring an open-concept living area with 9-foot ceilings that are flooded with natural light from elegantly trimmed 3 1/4-inch windows adorned with 2-inch faux wood blinds. The kitchen is a culinary delight, showcasing a single-basin stainless steel sink with a Moen faucet, stainless steel appliances include a 5-burner flat-top Frigidaire Gallery stove, gleaming granite countertops topped with a chic glass-tiled backsplash, and a spacious 3-foot by 5-foot eat-in island. Storage abounds with 42-inch cabinets, while the eat-in breakfast bar and ocean-facing deck provide ideal spaces for hosting guests. The luxurious 4 3/4-inch trimmed luxury vinyl plank flooring leads to the upstairs bedroom, which boasts a full ensuite, and a 6-foot sliding door opening to private deck with serene views of the sound and Intracoastal Waterway—perfect for watching sunsets and observing coastal wildlife. This level also includes a convenient wet bar, laundry room, and a beautifully designed guest bath. The lower-level hosts two additional bedrooms, each with their own private ensuites and deck access, offering privacy and comfort for family or visitors. On the ground level, you'll find a covered entertaining area, ideal for outdoor gatherings, as well as practical features such as a wet-weather entry and a hot/cold outdoor shower. Additional features of the home include a metal roof installed in 2019, complemented by gutters for added convenience. Whether you're enjoying the peaceful coastal ambiance or entertaining guests, this home is a haven of modern design and timeless charm. Don't miss your opportunity to make this exceptional property your own.
Source: NORTHCAROLINAREGIONAL #100480663
Interest rate and monthly payment estimated based on public records.
Source: NORTHCAROLINAREGIONAL #100480663
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: #100480663
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.