109 Lighthouse Dr Carolina Beach, NC 28428
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About this home
Live the beach life in this charming 2-bedroom, 2-bathroom townhome just one mile from the Carolina Beach Pier! At 1,588 square feet, this spacious home offers a perfect blend of coastal charm and modern updates. Brand-new hardwood floors, cathedral ceilings, and a cozy propane fireplace create a warm and inviting living space. The bright sunroom — ideal as a dining area, home office, or reading nook — opens to a fenced backyard filled with fragrant Confederate jasmine, perfect for enjoying the cool ocean breeze. A walk-in pantry is conveniently located off the sunroom for added storage. Upstairs, the primary suite boasts bamboo floors, a walk-in closet, and a vanity area for added convenience. Additional highlights include a brand-new HVAC system, washer and dryer that convey, a one-car garage, and a driveway with space for two additional cars. A roof replacement within the last five years adds peace of mind, and low HOA fees cover lawn care, irrigation, and road maintenance. This townhome is also within walking distance to local favorites like Drift Coffee, KM 38 Baja Grill, Salt Fish, and the Tiki Bar — making it easy to enjoy Carolina Beach's vibrant dining and nightlife. Whether you're looking for a primary residence or a beachside getaway, this home offers everything you need to embrace coastal living!
Source: NORTHCAROLINAREGIONAL #100531584
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.