317 Ivy Arbor Way Holly Springs, NC 27540
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About this home
Charming Craftsman Home in the Beloved 12 Oaks Golf Course Community Welcome to your new home in 12 Oaks, one of Holly Springs' most sought-after neighborhoods known for its welcoming community and resort-style amenities. Here, every day feels like a getaway — with three neighborhood pools, tennis courts, playgrounds, walking trails, dog parks, and a beautiful clubhouse offering fitness classes, community events, and so much more. This Craftsman-style home greets you with warmth and light. Inside, you'll love the open floor plan, perfect for family gatherings and entertaining friends. The chef's kitchen is a true centerpiece, featuring quartz countertops, a custom chevron marble backsplash, and soft-close cabinets — blending style and function seamlessly. The spacious primary suite offers a peaceful retreat with a large walk-in closet, while the screened-in back porch is perfect for morning coffee or summer evenings outdoors. The large, flat backyard is fully fenced and beautifully screened with trees — an ideal space for play, relaxation, or hosting backyard get-togethers. Thoughtful upgrades like a hardwired Ring doorbell and Kevo smart locks add modern convenience and security. Located just minutes from downtown Holly Springs, this home is close to great schools, restaurants, coffee shops, and shopping — everything your family needs is right around the corner. Come see why so many families fall in love with 12 Oaks — where neighbors become friends, and home feels like a community.
Source: TRIANGLEMLS #10129180
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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.