315 Neuse Dr Holly Ridge, NC 28445
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About this home
Built in 2020 and beautifully transformed in 2022, this home blends modern upgrades with thoughtful design. Tucked at the back of the neighborhood on a quiet cul-de-sac, it offers peace, privacy, and over $25,000 in lot improvements. Step inside to an open-concept layout with soaring 9-foot ceilings and luxury vinyl plank flooring throughout—no carpet anywhere. The main floor primary suite features a spa-inspired bath with a subway-tiled shower and clawfoot tub. With five spacious bedrooms, each with its own walk-in closet, plus multiple storage areas and floored attic spaces, there's room for everyone and everything. The chef's kitchen is a showstopper with quartz countertops, a 7.5-foot island, gas range, higher-end appliances, tiled backsplash, and a large walk-in pantry. Throughout the home, black fixtures, upgraded lighting, and oversized ceiling fans add style and detail, while dual-zoned Wi-Fi-enabled HVAC and heat-shielded windows ensure energy efficiency. Outside, enjoy mornings on the front porch and evenings on the expansive back patio with a 20-foot steel gazebo. The yard features professional landscaping, underground downspouts, mature trees, and a creek backdrop. A side-entry two-car garage, 5-car driveway, and permanent Govee lighting that changes colors for any occasion make this home as functional as it is beautiful.
Source: NORTHCAROLINAREGIONAL #100528253
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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.