123 Joels Cir Carthage, NC 28327
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About this home
Welcome to paradise! This beautiful custom-built home is perfectly situated on 2.43 acres just outside of Carthage in a quiet subdivision offering a peaceful country feel. This award-winning home, recognized by the Home Builders Association for excellence in its category, features exceptional craftsmanship and fine finishes throughout. From the inviting wrap-around front porch, step into the foyer with views that immediately draw your eyes to the tranquil pond through large living room windows. The main living area boasts gleaming hardwood floors, with a spacious living room centered around a stunning floor-to-ceiling tiled gas log fireplace flanked by built-in cabinetry. The foyer is open to a formal dining room with wainscoting and chair rail trim, mirrored in the office/study with French door entry from the foyer. A beautiful kitchen awaits with granite countertops, custom cabinetry, stainless-steel appliances, island with built-in microwave, and breakfast nook framed by a bay wall of windows. There is also a custom walk-in pantry by the laundry room. The private main-level primary suite is a nice retreat with peaceful pond views and a spa-like en-suite bath with dual granite vanities, jetted garden tub, tiled step-in shower and a walk-in closet with built-ins. A stylish powder room and a unique built-in dog pen with wrought iron gate is just down the hall under the stairway. Upstairs, you'll find a large bonus room, three spacious bedrooms - all with walk-in closets, and two full bathrooms, offering ample room for family, guests, or hobbies. The oversized two-car garage includes a third bay ideal for boat storage or a workshop space. Step out back to enjoy a large, screened porch overlooking the backyard with fire pit and scenic views of your private pond, perfect for relaxing evenings or outdoor gatherings. Just 15 minutes from Pinehurst! Don't miss this one-of-a-kind property where quality meets tranquility!
Source: NORTHCAROLINAREGIONAL #100523937
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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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