1206 Jones St Gastonia, NC 28052
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About this home
Welcome home to this inviting single-level residence offering three bedrooms and one full bath, situated on a generous lot in Gastonia. Built in 1945, this home features approximately 1,337 sq ft of living space and presents a solid opportunity for anyone looking to make a smart move. The exterior provides classic curb appeal with durable siding, while inside you’ll find a comfortable layout that flows from the living room into the kitchen and the bedrooms beyond. The heart of the home includes a bright kitchen ready for personalization, with ample cabinet and countertop space, and a nearby dining area perfect for entertaining friends or relaxing evenings at home. The living room offers a welcoming atmosphere and good natural light, providing a cozy place to kick back. The three bedrooms are well-sized and adaptable—to suit a home office, guest space or personal retreat. The full bathroom is conveniently located and offers functional design awaiting your finishing touches. Step outside to appreciate the sizeable lot—approximately one-quarter of an acre—giving you room for outdoor living, gardening, play space, storage or future expansion. With mature landscaping, a defined yard and plenty of room to roam, this property offers a rare chance for both indoor and outdoor ease. Located in a well-established neighborhood in the 28052 ZIP code, this home blends the comfort of a residential setting with proximity to schools, shopping, dining and major thoroughfares. This home is ideal for a first-time buyer ready to add personal style, an investor seeking a trusted asset, or anyone wanting to enjoy a full-size yard with manageable upkeep. It offers a foundation of value in a market where location counts. With its combination of size, layout and lot, you’ll have the flexibility to imagine your next chapter here—whether that means renovations, landscaping upgrades, or simply moving in and living. Don’t let the chance pass to explore this opportunity
Source: CANOPYMLS #4317298
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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.