1320 Fillmore Ave Unit 411 Unit 411 Charlotte, NC 28203
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About this home
Beautifully updated 2-bed, 2-bath condo in the heart of walkable Dilworth. Six oversized north-facing windows fill the home with natural light and showcase stunning Uptown and treetop views. Inside, you’ll find a remodeled kitchen and bathrooms, stainless steel appliances, and stylish finishes throughout. A major bonus: this condo comes with an assumable VA loan at just 4.25% for qualified buyers — a rare opportunity to lock in a low rate in today’s market. The building is well-built and luxurious, offering premium amenities including a remodeled fitness center, yoga room, and a rooftop BBQ terrace shared with 1315 Fillmore. Rare conveniences include: • P1: Deeded parking space #P1-10 (no cars beside you, right off the elevator) • P2: Private storage unit #S-32 directly in front of the elevator, plus extra unassigned parking • Ample overflow and guest parking under 1315 East Blvd Additional upgrades include a 2022 Carrier HVAC with 10-year parts warranty. All just steps from shops, dining, parks, and minutes to Uptown, South End, and Atrium Health Carolinas Medical Center. Best of all, the unit can be rented, making it an excellent home or investment opportunity. Move-in ready, stylish, and perfectly located — this condo checks all the boxes!
Source: CANOPYMLS #4294902
Loan details
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45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
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.