3987 W Highway 27 Lincolnton, NC 28092
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About this home
Welcome Home to 3987 Highway 27 W in Lincolnton! This full-brick, custom ranch beautifully combines comfort, function, and Southern Charm. From the moment you arrive, the welcoming rocking chair front porch invites you to sit back, relax, and enjoy peaceful views of the front yard and open fields beyond. Nestled on 7.5 serene acres with a small stream, fenced yard, above-ground salt water pool, and a versatile barn—this property is ideal for those dreaming of country living, a mini farm, or simply extra space for hobbies and toys. Inside, nearly 3,500 sq. ft. on the main level plus 1,900+ sq. ft. in the basement provide incredible space and flexibility for any lifestyle. The bright, open floor plan features hardwood and tile flooring, soaring ceilings, and cozy gas log fireplaces in both the great room and primary suite. The chef’s kitchen offers granite countertops, a gas cooktop, stainless steel appliances, bar seating, and a sunny breakfast area—plus a separate dining room perfect for gatherings and holidays. The spacious primary suite includes a walk-in shower and generous closet space, while three additional bedrooms and a laundry room with cabinetry complete the main level. Downstairs, the partially finished basement offers a large recreation room, full bath, and abundant storage—it could easily be finished as a second living quarters, ideal for multi-generational living, guests, or an in-law suite. Enjoy two garages—one for parking and one designed for your workshop—with a convenient lift elevator for easy access to the main level. Step outside to the rear patio and soak in the tranquility of your private retreat. Are you a gardener? You’ll love the open, sun-filled space ready for your dream garden. Don’t miss this rare opportunity—ranch-style living at its finest, with room to grow, relax, and make lasting memories! With a little TLC and your personal touch, this could truly become your dream property! Easy access to HWY 321, Lincolnton, Hickory, Vale and Surrounding areas. CLT International Airport is only 38 miles!
Source: CANOPYMLS #4313382
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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.