202 Hillmont Dr Garner, NC 27529
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About this home
Welcome to 202 Hillmont Drive, Garner, NC 27529! Built in 2021, this stunning 5-bedroom, 3.5-bath home offers approximately 2,700 sq. ft. of modern living space designed for comfort and convenience. This property is move-in ready and full of thoughtful upgrades with an Assumable VA loan. Up to $3,000 in buyer closing costs when using Advantage Lending. Interior Highlights Step inside to find an open floor plan that seamlessly blends style and functionality. The kitchen boasts granite countertops, sleek cabinetry, and plenty of workspace—perfect for both everyday meals and entertaining. The spacious living area features a cozy fireplace, while durable laminate flooring and plush carpeted bedrooms provide both elegance and comfort. The first-floor primary suite offers a private retreat with ample space and convenience, while additional bedrooms provide flexibility for family, guests, or a home office. With 3.5 baths, everyone has room to unwind. Energy & Lifestyle Upgrades This home is equipped with solar panels, offering energy efficiency and cost savings. The 3-car garage provides abundant storage and parking, and an additional shed in the backyard adds even more utility. Outdoor Living The property's backyard is ideal for gatherings, gardening, or simply relaxing, with enough space for your vision to come to life. Location & Community Situated in Garner, this home provides the perfect balance of small-town charm and proximity to the Triangle. You'll enjoy: Quick access to Raleigh for work or play. Nearby shopping, dining, and entertainment at White Oak Crossing. Beautiful parks like Lake Benson Park for walking trails, boating, and outdoor activities. Easy commutes via I-40 and US-70.
Source: TRIANGLEMLS #10122618
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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.