3801 Hawthorne Rd Rocky Mount, NC 27804
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About this home
Meticulously Maintained 4-Bedroom Home in the Established Westridge Subdivision. Welcome to this charming all-brick home, nestled among mature trees on a spacious and private lot in one of Rocky Mount's most desirable neighborhoods. The Westridge subdivision is known for its wide streets, natural beauty, and timeless character—offering a sense of community and tranquility that newer developments simply can't match. Step inside to find a home that has been lovingly cared for and thoughtfully updated. Recent improvements include new flooring (2023), a new roof (2023), a new gas hot water heater (2025), and a new range (2025). The stylish kitchen features granite and butcher block countertops, creating a warm and inviting space for both everyday living and entertaining. Gather with loved ones around the cozy wood-burning fireplace, or enjoy the soft natural light filtering through elegant plantation shutters. Outdoors, a spacious back deck overlooks a large, private backyard—perfect for weekend cookouts, morning coffee, or simply relaxing while surrounded by nature. Added conveniences include leaf guard protection, a whole-house water filtration system, and a 2-car garage. Prime Location for Work and Play: Enjoy the perfect balance of serenity and accessibility. You'll be just 1 hour from Raleigh-Durham International Airport, 2 hours from North Carolina's beautiful beaches, and 4 hours from the breathtaking Blue Ridge Mountains. With easy access to Raleigh, Wilson, Tarboro, and Greenville, you can experience peaceful living without giving up the conveniences of city life. No HOA—just pure comfort, privacy and charm. Motivated Sellers.
Source: TRIANGLEMLS #10121420
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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.