305 Stella Bridgeway Dr Stella, NC 28582
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About this home
Looking for country coastal North Carolina living? Enter 305 Stella Bridgeway Drive in Stella, NC. A classic 3 bedroom + bonus room home in the quaint Riverwatch subdivision, a laid back community less than 15 minutes from Camp Lejeune Main gate and shopping. Minutes away from a boat ramp to the beautiful White Oak River with access to the ICW and Ocean. You've found a well-maintained home showcased with stately columns on the covered front porch and maintenance friendly stone accents. You will notice some of the great features such as, engineered hardwood floors, stainless appliances, separate kitchen pantry, formal dining with trey ceilings, gas fireplace and living room with fresh new carpet. Kitchen comes with stainless steel appliances to include electric range, built in microwave, dishwasher and refrigerator. Nestled with the kitchen is a breakfast area that gives you access to a large backyard with wooden privacy fence. Hallway on first floor is where laundry room and half bathroom are conveniently located for busy households. Upstairs you will find a linen closet for storage at the end of the hallway. Walk into a generous sized master suite with trey ceilings and ceiling fan. Walk in closet. Master bedroom features a 4-piece ensuite master bathroom with dual sink vanity, garden tub and separate shower. You will find two other bedrooms and one full bathroom with pocket door to separate sink from tub/toilet area. Nice surprise of wonderfully large bonus room with closet; can be whatever you need it to be...theatre room, office, workout room, craft space, etc. Outdoor space is generous at just over a half-acre lot with a fenced in back yard. Enjoy a concrete patio sure to promote lounging around, enjoying peaceful southern evenings and BBQ's. Finish off the day by driving into an attached garage with a few extras you must see. A truly welcoming home steeped in the serenity of coastal country living. No fuss, just comfort. Live easy with No HOA
Source: NORTHCAROLINAREGIONAL #100529601
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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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