9439 Brighthaven Ln, Charlotte, NC 28214
3 beds · 3 baths · 2,434 sqft
Home Sweet Home! This beautiful 3-bedroom, 2 1/2-bathroom home with a spacious bonus room is ready to welcome you! The inviting kitchen boasts stunning cabinetry and ample space for culinary creativity, while the formal dining room is perfect for hosting guests in style. The larger den offers plenty of room for entertaining, making it the ideal spot for gathering with friends and family. Enjoy the natural light streaming through the bay windows in the expansive living room, complete with a cozy fireplace. Upstairs, the gorgeous master bedroom provides a peaceful retreat, featuring a walk-in closet and a luxurious en suite bathroom with both a shower and a tub. The well-placed laundry room adds convenience, and you'll also find two additional bedrooms, each offering plenty of space, along with the versatile bonus room—perfect for a man cave, lady cavern, home office, or anything else you envision. Step outside to your private deck with a charming boardwalk and take in the serene country setting, all while being just minutes from the city. The two-car garage ensures your vehicles stay in top condition, while also providing extra space for your projects or storage. Don't miss out on this gem! Call today to schedule your private showing and see all this home has to offer!
Source: NORTHCAROLINAREGIONAL #100494910
Financials
Source: NORTHCAROLINAREGIONAL #100494910
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.