112 Pitch Pine Ct Wilmington, NC 28412
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About this home
Centrally located in Wilmington, this ranch-style home is in the golf course, gated community of Beau Rivage. With its covered front porch, mature landscaping, and quiet cul-de-sac street, it exudes curb appeal. Step inside and be greeted by an inviting, open-concept layout. Home provides 3 bedrooms and 2 full bathrooms of single-floor living with a split floor plan. Hardwood floors and chair rails in the main living areas. The living room features a vaulted ceiling, refurbished wood-burning fireplace, white shutters, and ceiling fan. Entertaining is stress-free as the living room flows into the dining area, graced with vaulted ceiling and chandelier. The chef's kitchen boasts granite countertops, tile backsplash, under cabinet lighting, and granite island with counter-height seating. All appliances convey. There is a dedicated laundry room, with washer & dryer included, adjacent to the kitchen, and includes a walk-in pantry. The primary suite is your personal retreat, featuring a trey ceiling, white shutters, and ceiling fan. The primary bath features a sliding glass door walk-in shower, separate tub with tile surround, and walk-in closet. Two additional bedrooms, great for guests, office space, or an art studio, are nestled between a full bath. A front entry 2-car garage includes convenient side utility door and pull-down steps for attic access. Enjoy sunrises with coffee, or relax with evening breezes, on the inviting screen porch, complete with shades. Step outside to your private oasis with its wood deck with a built-in seating area, backyard with wood fencing, a Caldera Spa hot tub (conveys), fire pit, and mature landscaping - watered with a sprinkler system on an economical well. All bedroom carpets were replaced in 2023. The American Home Shield Warranty transfers. A quick drive gets you to nearby Carolina Beach with all its beaches, harbor, boating, restaurants, and shopping.
Source: NORTHCAROLINAREGIONAL #100515391
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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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