109 Creek End Ct Swansboro, NC 28584
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About this home
Welcome to 109 Creek End Court, a spacious 5-bedroom, 3-bathroom home situated on 1.14 acres in the highly sought-after Halls Creek North community. This move-in ready home offers a thoughtful layout, recent upgrades, and generous indoor and outdoor living spaces, all just minutes from area beaches, local entertainment, and military bases. Step inside to an open floor plan featuring a dramatic two-story formal living room, a formal dining room with classic wainscoting, and a cozy living room with a gas fireplace and sleek black granite surround. The large kitchen is a standout, offering plenty of cabinetry for storage, granite countertops, a tile backsplash, stainless steel appliances, a center island, and a bright breakfast nook that flows into the living room, ideal for entertaining or everyday living. Upstairs, you'll find four spacious bedrooms, including a large owner's suite with dual walk-in closets. The en suite bath features double vanities, a soaking tub, walk-in shower, and a private water closet. Bedrooms two and three share a convenient Jack and Jill bathroom with separate vanities and a shared bath area. A first-floor bedroom with an adjacent full bath is perfect for guests or multi-generational living. Ceiling fans have been installed in every bedroom for year-round comfort. Additional upgrades include a recently installed water heater and garbage disposal, motion-detecting light in the backyard, and an RV plug-in on the side of the home. Enjoy the screened-in porch, extended patio, fenced backyard, and beautifully landscaped front yard, all offering plenty of room to relax or entertain. Don't miss your chance to own this well-maintained property with room to grow, play, and enjoy the coastal Carolina lifestyle!
Source: NORTHCAROLINAREGIONAL #100515130
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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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