2105 Laurel Village Cir Belmont, NC 28012
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About this home
Assumable 2.75% mortgage is available!!! Discover modern style, unbeatable convenience, and low-maintenance living in this beautifully maintained 2-bedroom, 2.5-bath townhome with nearly 1,700 sq. ft., built in 2020 in the highly desirable Laurel Walk community. Just steps from Harris Teeter, schools, local restaurants, and vibrant downtown Belmont—you’ll love the walkability and charm this location offers. Step inside and be welcomed by luxury vinyl plank flooring, abundant natural light, and a spacious open-concept layout. The inviting family room flows seamlessly into the gourmet kitchen, a true centerpiece featuring an oversized island, sleek countertops, stainless steel appliances, and ample cabinetry—perfect for casual mornings or entertaining with style. Upstairs, you’ll find dual bedroom suites, each with private baths for ultimate comfort. The primary suite impresses with a tray ceiling, a large walk-in closet, and a spa-like bath boasting a double vanity and tiled shower. A generously sized second bedroom, full bath, and convenient laundry room complete the upper level. Looking for more space? The unfinished basement offers endless potential—add a third bedroom, a home office, or a media room to create the perfect setup for your lifestyle. Step outside to your private deck, ideal for fresh air and relaxation. The home also features a rear-load 2-car garage plus plenty of guest parking right out front.
Source: CANOPYMLS #4299574
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.