1106 38th Ave NE Hickory, NC 28601
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About this home
Welcome to this inviting two-story home in the established Woodwinds neighborhood, set on a rare double lot totaling .81 acres with a wooded second lot, where space, comfort, and charm come together. Built in 2002, it features 4 bedrooms plus a versatile bonus room and timeless hardwood floors throughout. The great room is the heart of the home with a gas log fireplace and built-ins, opening seamlessly to the kitchen and dining area—perfect for family meals or hosting friends. The kitchen includes granite countertops, an eat-at island, and a walk-in pantry, while the main level also offers a formal dining room for special gatherings, a family room for casual nights in, and an office for work or study. Step outside and enjoy a backyard designed for connection and relaxation. Gather under the pergola for evening dinners, roast marshmallows by the firepit, or tend to the blueberry and blackberry bushes, producing fig tree, and rose gardens. With multiple outdoor entertaining spaces, you’ll have room to celebrate every season. Nestled in the friendly Woodwinds community, this home offers the ideal setting to create lasting memories and embrace a lifestyle filled with warmth and possibility.
Source: CANOPYMLS #4305879
Neighborhood
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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.