2544 Mt Harmony Church Rd Matthews, NC 28105
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About this home
Wow! Charming Ranch Home on a Beautiful 1.14-Acre Lot in a Prime Matthews Location! Conveniently located near shops, restaurants, and entertainment, plus just minutes to I-485, Hwy 74, and the Monroe Bypass for easy access anywhere you want to go. Step inside to a Bright, Open Floor Plan designed for comfort and functionality. The Spacious Living Room features a Stunning Brick Fireplace, creating a warm and inviting focal point for gatherings. The Chef’s Kitchen boasts White Cabinetry, a Large Breakfast Bar, and a Sunny Dining Area with a Bay Window overlooking the gorgeous backyard—perfect for enjoying your morning coffee with a view. This home offers plenty of room for everyone with a Spacious Primary Suite, two additional bedrooms, and another Full Bathroom. The Large Laundry Room with built-in cabinetry adds extra convenience and storage. Step outside to the Large Deck and take in the serene views of the property—surrounded by mature trees for privacy. The 10x12 Storage Shed/Outbuilding provides extra space for tools, hobbies, or outdoor equipment. A Long Driveway offers ample parking for multiple vehicles. Recent updates and improvements include: HVAC units replaced in 2015, Well pump and pressure tank replaced in 2023, New dishwasher (2023), New garbage disposal (2025), Chimney swept in 2024, Chimney masonry repairs completed in 2025, Septic tank pumped in September 2025. These thoughtful updates provide peace of mind and long-term reliability for the next homeowner. And best of all—No HOA! Enjoy the freedom and flexibility of country-style living with all the conveniences of city access. This beautifully maintained home combines space, privacy, and location in one perfect package. Don’t miss your chance to make this Matthews retreat your new home!
Source: CANOPYMLS #4307017
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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.