4500 Matthews Mint Hill Rd Matthews, NC 28105
Your savings
About this home
Discover this spacious 3-bedroom, 2-bathroom ranch in a prime Mint Hill location with no HOA! Mint Hill offers a more suburban, quiet feel than Charlotte while still being close to amenities and healthcare. Nestled on nearly an acre, the property offers privacy with mature trees and plenty of space for gardening, pets, or outdoor fun. This traditional design offers one level living. Step inside to the open-concept living area with an electric fireplace that seamlessly connects to the chef -ready kitchen. The kitchen features a large island with seating, abundant cabinetry, and a smart double oven that integrates with Alexa for recipe searches, cooking conversions, and convenient settings like no-preheat air fry. All three bedrooms are thoughtfully located on the same side of the home, with the primary featuring an ensuite. The adjacent breakfast area can double as a flexible space and opens to the backyard, while the laundry room adds convenience. Enjoy serene views of the neighboring horse pasture from the backyard, a private courtyard perfect for entertaining or relaxing, and multiple outdoor spaces including a shed that stays with the property. Additional highlights include an attached one car garage with a storage/mechanical closet lus a gated driveway leading to extended parking. This home offers the perfect combination of space, privacy, and convenience. Prime opportunity in Mint Hill at a competitive price point, with great potential for customization and appreciation. Don’t miss this opportunity to own nearly an acre of privacy and outdoor space while still being minutes from the heart of Mint Hill, as well as close proximity to I-485 and the 74 Coastal ByPass.
Source: CANOPYMLS #4305551
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.