104 Bethea St Holly Ridge, NC 28445
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About this home
Located in the waterfront community of Redd's Cove, this exceptional home offers the perfect blend of coastal charm and modern comfort. With access to a private boat ramp, dock, and playground, Redd's Cove is ideal for those who enjoy life by the water—whether it's weekend boating, sunset strolls, or simply soaking in the peaceful surroundings. The home itself is a standout, featuring an open and airy layout designed for both everyday living and entertaining. The great room welcomes you with a cathedral ceiling, gas fireplace, and seamless flow into the gourmet kitchen. Here, you'll find granite countertops, stainless steel appliances including a gas cooktop and electric oven, a center island with storage, a walk-in pantry, and a bright morning room perfect for casual meals. Just off the kitchen, a dedicated laundry and mudroom connects to the garage for added convenience. The main level also includes a formal dining room with coffered ceilings, a versatile office with French doors and wood flooring, and a luxurious owner's suite. The primary bedroom features a spacious walk-in closet and a spa-inspired bathroom with a garden tub, tiled shower, double vanity, and private water closet. Upstairs, three generously sized guest bedrooms share space with a media/game room and a bonus room above the garage—ideal for hobbies, guests, or a private retreat. Step outside to enjoy the fully fenced backyard, complete with a cement patio and fire pit—perfect for gatherings or quiet evenings under the stars. The front porch offers a peaceful spot to start your day, surrounded by seasonal blooms and the gentle breeze off the nearby sound. Just minutes from beaches, shopping, restaurants, and military bases, this home in Redd's Cove is more than a place to live—it's a lifestyle built around comfort, connection, and coastal beauty.
Source: NORTHCAROLINAREGIONAL #100531239
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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