218 Sea Holly Trl Swansboro, NC 28584
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About this home
Are you in search of a stunning residence in Swansboro, NC? -Captivating Charm- The allure of this home begins with its inviting covered front porch. As you step into the remarkable foyer, your adventure starts. You'll appreciate the elegance of the columns and archways that flow throughout the space. -Versatile Living Spaces- Do you need a home office, playroom, or more dining space? This home features a flexible space that can accommodate everything from additional dining to a separate living area. With details like coffered ceilings and wainscoting adorning the walls, this area has it all. A convenient powder room is located just off the foyer, making it a perfect half bath. -Spacious Primary Suite- Primary bedroom on the first floor on your wish list? Look no further! The primary suite boasts generous space, abundant natural light, a large walk-in closet, and a stunning private bathroom. This bathroom includes dual sinks, a spacious tub, a stand-up shower, and a linen closet. If that closet isn't large enough, the flex space shares a wall with it, allowing for easy expansion. -Great Room & Kitchen/Dining Delight- The first floor also features an impressive great room with breathtaking two-story views. The family chef will fall in love with the kitchen, complete with granite countertops, energy-efficient appliances, and its convenient location just off the living room, making meal prep and entertaining a breeze. Yes, there's a pantry, and the laundry area is also conveniently situated on the first floor. Off the kitchen, you'll find a cozy dining area, perfect for morning coffee and extra seating or holiday meals. ## Second Floor Surprises Now, let's head to the second floor, where the amazement continues. You won't have to sacrifice space here! The 2nd story includes three guest bedrooms (2 with walk-in closets) 2 full bathrooms (possible to make a bedroom upstairs with a private bathroom) and another flex spacea loft that could serve as a computer area, homework station, or cozy sitting area. To top it off, there's a large game room (the third flex space), offering endless possibilities. Oh, and let's not forget storage galore, with easy access attic space. ## Outdoor Oasis Do you enjoy spending time outdoors? Step outside to the large covered back porch, where you can hear the birds sing as you sip your coffee or relax on a hammock while watching the sun go down. The backyard is fenced for added privacy. Words fall short when it comes to capturing the beauty and functionality of this home. You truly have to see it to believe it!
Source: NORTHCAROLINAREGIONAL #100528564
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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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