186 Golden Valley Dr Mooresville, NC 28115
Your savings
About this home
Welcome to your forever home- 5 bedroom 2.5 bath home on a desirable CORNER LOT with privacy fenced back yard. BRAND NEW LVP FLOORING THROUGHOUT MAIN FLOOR & BRAND NEW PADDING & CARPET IN ALL 4 BEDROOMS UPSTAIRS!! OPEN FLOOR PLAN, PRIMARY BEDROOM ON MAIN FLOOR & ENSUITE BATHROOM w Double vanities and HEATED TILE FLOORS, IN-HOME OFFICE & BACK COVERED SCREEN PORCH "PLUS" PATIO to enjoy! This home delivers comfort, style & peace of mind. Step inside to soaring ceilings, abundant natural light and open floor plan that flows easily for everyday living / Kitchen has rich navy cabinetry, quartz countertops, tile backsplash, pantry, bar seating and stainless steel appliances / Office has crown molding / Dining room has crown molding, tray ceilings and chair railing / Breakfast Nook area has plenty natural light w/atrium doors leading to screen back porch / Owners suite on main floor with tray ceilings and offers ensuite bathroom with dual vanities, HEATED TILE FLOORS, walk-in closet, garden tub and walk-in-shower / Upstairs has 4 bedrooms and one of them is HUGE BONUS/BEDROOM with double closets / Per prior owner -Roof yr 2021 Architectural Shingle, HVAC Yr 2021, SELLER OFFERING HOME WARRANTY no more than $600.00 with acceptable offer. Per owner Ring Door Bell Camera, Smartlife keypad, Nest smoke detectors and Camera's will convey. Community amenities include outdoor pool, playground, sidewalks & more. Minutes from downtown Mooresville- quick acess to shopping, dining and entertainment. Security system will be deactivated with confirmed appointment!
Source: CANOPYMLS #4300166
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
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.