149 Huffmantown Rd Richlands, NC 28574
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About this home
Welcome to this beautiful 3-bedroom, 3 full bathroom farmhouse-style home that perfectly blends comfort, charm, and functionality. Located just minutes from Camp Lejeune, shopping, and the beaches, this home offers both convenience and a touch of country living. Step inside to find stunning hardwood floors, spacious living areas, including a formal dining room, office space, and a bonus room—perfect for a playroom, gym, or extra guest space. The kitchen is a true highlight, featuring ample cabinet space, a large island, and plenty of room for gathering and entertaining. The master suite features a walk-in closet and a luxurious ensuite bathroom complete with a soaking tub, separate shower, and dual vanity sinks. Upstairs, enjoy access to a second-floor balcony, ideal for morning coffee or evening relaxation. Outside, the large fenced backyard offers plenty of space to entertain or unwind, complete with a workshop for hobbies or extra storage. This home offers a carport, inviting front porch, and HVAC and roof were replaced in 2023. With its spacious layout and timeless design, this home exudes true Southern charm, perfect for those looking for comfort, character, and convenience all in one place. Schedule your showing today!
Source: NORTHCAROLINAREGIONAL #100536527
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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.