39 N Pershing Rd Asheville, NC 28805
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About this home
Welcome to your dream home in Asheville’s sought-after Haw Creek neighborhood — where timeless charm meets modern comfort. This beautifully updated ranch offers single-level living with stunning mountain views and thoughtful craftsmanship throughout. Step inside to discover refinished original hardwood floors and a state-of-the-art kitchen that will delight any chef. From the Wolf range and appliance garage to the pull-out pantry shelves and the most efficient corner lazy Susan, every detail has been designed for both style and function. A stately island anchors the space, perfect for gathering and entertaining. The primary suite features an updated ensuite bathroom with a zero-entry shower, dual vanities, and spa-like finishes—making daily living both elegant and effortless. The unfinished basement with both interior and separate exterior entrances offers endless potential for a workshop, studio, or future expansion. Meanwhile, the heated garage includes a custom woodworking shop built by a previous owner — ideal for makers, hobbyists, or anyone who loves to create. Outside, take in peaceful mountain views and the serenity of a well-established neighborhood, all while being minutes from downtown Asheville’s shops, restaurants, and trails. Photos in this listing include current furnishings as well spaces that have been virtually cleared and virtually re-furnished to imagine limitless possibilities for this home! This turn-key home is move-in ready, with space to make it your own. The sellers poured their hearts into every update and now pass this gem on to its next chapter — ready for someone new to fall in love.
Source: CANOPYMLS #4321387
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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.