236 White Ash Cir Hendersonville, NC 28739
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About this home
This is a fantastic opportunity for a homeowner ready to bring this home back to its former glory! Inside, you'll find a cozy living room with a charming fireplace, an open kitchen with a dining area, three spacious bedrooms, and two bathrooms. The sunroom offers stunning views of a beautifully landscaped backyard filled with vibrant flowers. Relax on the expansive back deck during warm days. The property includes a one-car carport with a large storage closet and a brand-new HVAC system for year-round comfort. The community features excellent amenities, including a pool, hot tub, and clubhouse. Don’t miss your chance to transform this house into your dream home! Come and see the potential today! This home was not affected by hurricane Helene. Recent repairs were completed by a licensed contractor to address a leak around the windows in the sunroom. The contractor cleaned, sealed, and reclad the exterior wall around the windows and replaced the affected floor, which had experienced minor water damage. A landscaper cut back all the bushes around the home to prevent further overgrowth. Additionally, the water heater is less than four years old, the roof is less than five years old, and the HVAC system is brand new, having been installed this year. Seller is offering a $600 closing cost credit toward the purchase of a new stove/oven.
Source: CANOPYMLS #4253483
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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.