399 Thompson Dr Hudson, NC 28638
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About this home
Can you imagine yourself in a gorgeous home with a sparkling pool? This lovely 3-bedroom, 3.5 bath home is located in the desirable Hudson area of Caldwell County. Whether sitting on the large front porch or enjoying the dazzling pool you are sure to relax and enjoy this home from the moment you move in. With a large "almost" an acre of land, you are sure to relish the privacy of the wooded lot. Some of the amenities on the outside on the home include the metal roof and brick exterior offering extremely low long-term maintenance costs. There is also ample parking for multiple vehicles with a double car garage and multiple driveways. The inside attributes start with the incredible kitchen! There are tons of cabinetry, solid surface tops and exquisite design details in this one-of-a-kind designer's kitchen with high quality appliances. Most of the flooring on the two main levels are hardwood (carpet in the basement) with tile in the baths. If you enjoy a warm cozy fireplace this home offers two masonry fireplaces! One in the main level living room and the other in the basement den area. Other features include the wrought iron railing going upstairs and a great deal of dry storage in the upper-level attic and the basement. The location of the home is perfect! The neighborhood is off of highway 321 and you are a short drive to Hickory or the mountains of western NC. Call today to schedule a tour!
Source: CANOPYMLS #4308466
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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.