1590 S Center St Hickory, NC 28602
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About this home
We are excited to present a truly charming and exquisitely remodeled 1.5-story home, ideally located for your convenience. This open-concept residence features four spacious bedrooms and two fully renovated bathrooms, with the primary bedroom conveniently situated on the main level for ease of access. You'll appreciate the year-round relaxation offered by both the covered front and back porches, perfect for unwinding or entertaining. Situated on a desirable corner lot, the property includes a detached two-car covered parking area and a shed, providing ample storage. Its prime location offers easy access to local restaurants, schools, shops, and much more, making daily errands and entertainment effortlessly accessible. This home boasts numerous updates, ensuring modern comfort and peace of mind, including a new roof, HVAC system, and all-new plumbing. The hardwood flooring has been beautifully refinished throughout the main living areas, complemented by new carpet in the bedrooms and LVT (Luxury Vinyl Tile) in the hall bath and mudroom. The interior and exterior have been freshly painted, and new fixtures, including new light fixtures, all brand new windows, and gutters, have been installed, significantly enhancing its curb appeal and functionality. The redesigned kitchen and tastefully remodeled bathrooms further enhance the home's appeal. The brand-new kitchen features soft-close cabinets, elegant granite countertops, all new appliances, a classic farmhouse sink, and a spacious dining area, perfect for family meals. The family room offers a cozy fireplace, creating a warm and inviting atmosphere. The primary bathroom has been completely remodeled to include a tiled shower, elegant molding, and a new double vanity, offering a luxurious retreat. If you are seeking a beautifully remodeled historic home with modern amenities in a central and highly desirable location, this property is truly perfect for you.
Source: CANOPYMLS #4296895
Neighborhood
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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.