2005 Chiles Dr New Bern, NC 28562
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About this home
Crank up the volume—this isn't just a home, it's your backstage pass to the rock 'n' roll lifestyle in one of New Bern's hottest new neighborhoods. Welcome to 2005 Chiles Drive, a 2,227 square ft headliner packed with attitude and comfort. With three bedrooms and two and half bathrooms, there's plenty of room for your crew, your gear, or both. Built in 2022, this home still has that fresh-off-the-tour look and feel, and the two-car attached garage is ready to park your ride—or tour bus. The designer kitchen is a showstopper with granite countertops, an oversized island, and sleek stainless steel appliances—perfect for pre-show dinner parties or post-gig snacking. The open-concept living area flows effortlessly into a covered patio, creating an indoor-outdoor stage fit for backyard jam sessions, summer barbecues, or mellow evenings under the stars. Smart-home tech comes built-in with a Z-Wave lock, touchscreen control panel, and video doorbell, giving you top-tier security and control while you're out living loud. Upstairs, the private owner's suite delivers VIP treatment with a vaulted ceiling, a huge walk-in closet, and a deluxe ensuite bath. Two additional bedrooms, a cozy den, and a massive laundry room round out the second floor, giving everyone in your entourage a place to chill. The vibe continues outside in West New Bern, just six miles from downtown's historic waterfront—ideal for unplugged strolls after the amps are off. So plug in your dreams and flip the switch—2005 Chiles Drive is ready to belt out your next chapter. Let's set up your VIP tour. Rock on. 🤘
Source: NORTHCAROLINAREGIONAL #100513273
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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.
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