322 Providence Dr Jacksonville, NC 28546
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About this home
Step inside and feel right at home, this is the kind of place that wraps you in comfort the moment you walk through the door. One of the biggest highlights is the brand-new HVAC system (October 2025), giving you reliable comfort year-round while helping you save money on energy bills. The home itself has been completely refreshed from top to bottom, blending cozy country charm with modern updates. Rich new luxury vinyl plank flooring flows through the main level, while plush new carpet makes the upstairs feel warm and inviting. The kitchen is the heart of the home, featuring brand new wood cabinets, gleaming granite countertops, and a full set of Samsung appliances ready for home-cooked meals and family gatherings. Fresh paint, trim, and doors give every room a crisp, welcoming finish, while all new outlets, switches, lights, smoke detectors, faucets, hinges, and handles show that every detail has been carefully updated. Step outside and the charm continues. A freshly power-washed exterior, new gates, and a fully fenced yard provide privacy and peace of mind. The pergola out back is the perfect spot to sip your morning coffee, relax with evening sweet tea, or enjoy nights under the stars with family and friends. Even the closets and garage have been freshly painted, making the home feel truly move-in ready from top to bottom. Perfectly located just 10 minutes from Camp Lejeune and only 5 minutes from all the shopping and dining along Western Boulevard, this home offers the best of both worlds: country comfort with modern convenience. With its long list of new upgrades, energy-saving features, and timeless charm, this home isn't just a smart buy, it's a place you'll be proud to call your own.
Source: NORTHCAROLINAREGIONAL #100536928
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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.