1471 Arden Dr Lincolnton, NC 28092
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About this home
This beautifully updated Cape Cod home sits on a landscaped half-acre lot in Lincolnton, within the desirable North Lincoln school district. The property features mature plantings, fresh mulch in the flower beds, and a peaceful outdoor setting perfect for relaxing or entertaining. Inside, the main level offers a spacious primary bedroom with an ensuite bath, dual vanity, and walk-in closet. Upstairs, you'll find two additional bedrooms and a full bath. The living room includes an electric fireplace insert, while the partially finished basement features a recreation room with a cozy gas fireplace and new carpet throughout. Recent upgrades completed in 2025 include all-new kitchen cabinets, new tile flooring in the kitchen and upstairs bathroom, refinished hardwood floors on the main level and staircase, new carpet on the basement stairs and in the basement, a brand-new roof, updated vanity and mirror in the upstairs bath, fresh deck railing, and new mulch in the landscaping. The community has no HOA, but residents have the option to join the neighborhood pool just a few houses down—offering the best of flexibility and amenities. With thoughtful renovations and timeless charm, this home blends comfort, style, and convenience in a welcoming setting. Nestled between Denver and the town of Lincolnton, it offers easy access to major roadways and nearby shopping, blending peaceful living with everyday convenience.
Source: CANOPYMLS #4309053
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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.