3330 Hemlock Way Unit Lot 128 Winnabow, NC 28479
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About this home
Welcome to Mallory Creek Plantation, one of Leland's top neighborhood's packed with amenities. You'll love living in a community with one of the lowest HOA fees in Leland. Two staffed resort style swimming pools, stocked fishing ponds, two playgrounds, bike trails, sidewalks, streetlights, and basketball, tennis, pickleball courts on the way! Introducing, The Dover. This open floor-plan offers a main floor master bedroom. The spacious kitchen offers plenty of cabinet and counter space with a walk-in pantry. The over sized granite counter height island overlooks the Living Room and Dining Room. Sliding doors off the dining area lead to the screened porch and fenced back yard. Home includes the following upgrades: natural gas plumbing including stove, tankless water heater. This is in addition to the granite counters, 9ft ceilings, and new carpet in bedrooms. Home has also been freshly painted. A home automation package is included and comes with cameras and integrated control panel along with fire and security controls. Upstairs you'll find a 5th bedroom and full bathroom. Youll also find a bonus room with walk in access to the attic for convent storage. The HVAC air handler resides in a closet off this room inside the conditioned envelope. This leads to more efficient HVAC operation and less rust and maintenance issues. Located near the school bus stop with easy access to amenity sites, youll love making this your next home.
Source: NORTHCAROLINAREGIONAL #100526053
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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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