120 Mockingbird Ln Spring Lake, NC 28390
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About this home
Welcome to 120 Mockingbird Lane in Spring Lake, NC—a beautifully refreshed home that delivers the perfect blend of comfort, style, and resort-inspired outdoor living. Nestled on a full acre, this single-story ranch has been thoughtfully updated with fresh interior paint, brand-new luxury vinyl plank flooring, and a stunning backyard oasis complete with a swimming pool and relaxing hot tub. Every detail has been considered to create a move-in-ready retreat that’s both elegant and easy to maintain.As you arrive, the long driveway and manicured landscaping set the tone for what’s inside: clean lines, natural light, and an inviting sense of space. Step through the front door into a bright, open floor plan where neutral tones create a warm, modern feel. The spacious great room features vaulted ceilings, a cozy fireplace, and large windows overlooking the backyard, filling the home with sunshine and a sense of calm. The seamless flow between the living, dining, and kitchen areas makes entertaining effortless.The kitchen is both functional and stylish, offering granite countertops, stainless-steel appliances, generous cabinetry, and a breakfast bar perfect for casual meals or conversation. Nearby, the dining area and adjoining sunroom invite natural light from every angle—ideal spaces for morning coffee or quiet evenings overlooking the pool.The primary suite is your private retreat, featuring new paint, sleek LVP flooring, dual walk-in closets, and an ensuite bath with dual vanities, a soaking tub, and a separate shower. Two additional bedrooms and a well-appointed hall bath offer flexibility for family, guests, or office use. A finished bonus room above the three-car garage provides even more versatility—perfect for a home gym, media room, or creative studio.Step outside and prepare to fall in love. The fenced backyard feels like your own resort, featuring an in-ground saltwater pool that sparkles in the Carolina sun and a built-in hot tub that invites relaxation year-round. Surrounding decks and patios provide space for lounging, grilling, or entertaining under the stars, while mature trees add shade and privacy. The one-acre lot offers plenty of room to play, garden, or simply enjoy peaceful evenings surrounded by nature.
Source: TRIANGLEMLS #LP751963
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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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