213 Nine Mile Rd Newport, NC 28570
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About this home
**$5,000 USE AS YOU CHOOSE CREDIT AT CLOSING**Appraisal and inspection on hand. This modern home is nestled in the Rollingwood Acres community and features 3 bedrooms and 1.5 baths, providing ample space for comfortable living. Recent improvements include fresh paint, new HVAC units, 2-year-old water heater, graded front yard, landscaping and rear deck. This beautifully maintained split-level home offers an ideal layout for families seeking space, privacy, and functionality. With its thoughtfully divided levels, the home allows for both togetherness and separation-perfect for today's busy lifestyles. As you enter the main level, you're greeted by a welcoming family room with large windows and natural light that flows into a bright, spacious kitchen, ideal for home-cooked meals with fresh ingredients from the nearby farmer's market, or your own garden. Upstairs, you'll find cozy bedrooms, including a primary suite with plenty of closet space. This level offers privacy for restful nights while keeping younger children or guests close by. Downstairs, you will find a large den with sliding glass doors leading to a covered patio. Adjacent to the den is a half bath and large laundry room with storage cabinets. Set on nearly half an acre of fenced in fertile land, there's plenty of room to grow your own vegetables, plant fruit trees, or create the garden you've always dreamed of. A dedicated space in the backyard is ready for your chicken coop-perfect for fresh eggs and a touch of farm life at home. No HOA or city taxes, this property is located just minutes from the pristine beaches of Atlantic Beach and Emerald Isle, as well as Osprey Marina and Cherry Point MCAS making it a perfect base for coastal living. With its blend of modern upgrades and coastal charm this home presents an excellent opportunity for those seeking an accessible home in the heart of the Crystal Coast
Source: NORTHCAROLINAREGIONAL #100504748
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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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