119 Radley Ln Beaufort, NC 28516
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About this home
Rare find, 5 bedroom, 3 and a half bath with master on main in sought after Beaufort Club. This house has a lot to offer size, storage, and layout wise. Beaufort Club is a golf course neighborhood just minutes north of downtown historic Beaufort NC, as well as area beaches, boat ramps, and the coastal life! Just under 3,000 square feet, this 2012 home features generous sized and well appointed kitchen that open into comfortable living room and formal dining room. Kitchen has stainless appliances, breakfast nook, pantry, and island that flows into the living room. Living room offers gas fireplace and access to the back deck, and the dinning room is a great size and sports a crofter ceiling. Also downstairs is the master suite featuring tray ceiling, and a bathroom with step in shower, garden tub, and a massive walk in closet. A half bath and the laundry room rounds out the downstairs, and there is a generous two car garage with tall ceilings. Upstairs you will find a landing that is currently being used as a home office, four additional bedrooms with tons of closet space, and two full baths with tub showers. The FROG gives additional living or fun space! The yard is easily manageable, and can be fenced in. The lot faces a cul-de-sac that offers room to play and extra parking. Beaufort Club has miles of walking, jogging, and biking areas, including sidewalks and a nature trail. You will fall in love with the beautiful sunsets and outdoor enjoyment options. Beaufort Club is a golf course neighborhood featuring 18 beautifully designed holes, and club house with fantastic restaurant, Blue Heron, which is open for lunch 7 days a week and dinner Wed-Saturday. Golf memberships available, or join the social membership for $70/month to enjoy pool, events, and discounts on golf and at the restaurant. Located minutes from shopping, dining, cultural opportunities, in America's Favorite Small Town, Beaufort, NC, this is a great place to live!
Source: NORTHCAROLINAREGIONAL #100521424
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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.
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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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