3612 Winterfield Pl Charlotte, NC 28205
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About this home
Newly renovated full brick spacious home close to Uptown, NoDa, & Plaza Midwood. Winterfield is an established neighborhood with no HOA. Centrally located allowing you to experience all that Charlotte has to offer while living in a great community with a suburban feel near the city. Freshly painted and professionally deep cleaned. This split level has a unique floor plan with separate living areas and a lot of space to spread out. There is a very private backyard with lots of trees and a 6ft wood privacy fence along the sides of the home. The back of the property faces a heavily wooded area, which is hard to find so close to the city. Main/upper levels have beautiful original hardwoods that are in great shape. Brand new fans, fixtures, and lighting throughout the home. Family room has high ceilings and large windows that let in lots of natural light. Kitchen updated with tile floors and backsplash, quartz countertops & new custom island, and a gourmet sink. Kitchen also has 3 windows and a side entry door for lots of natural lighting. Lower level has brand new high quality LVP floors, ceiling fans, and a convenient laundry room with a stackable washer and dryer. Lower level has a large master bedroom, full master bath newly renovated with a large custom shower. Bottom level has a rear entry door and another bedroom on the other side of the master. All 3 bathrooms in the house have been renovated with luxury tile and more! Bigger flat backyard that's fully fenced, has a freshly stained deck, and a 2 car carport within the brand new gate. The driveway is also brand new concrete to the new front wooden fence/ gate. This home was on the market with tenants in place, and during the renovation after they moved out. It is now ready for October showings with new and improved features! Roof was replaced in 2020 and the hvac system was replaced in 2017.
Source: CANOPYMLS #4241759
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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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