456 Spring Gardens Dr Belmont, NC 28012
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About this home
Location, lifestyle, and luxury converge at this must-see townhome in Belmont's desirable Waters Edge community. Step inside to an open floor plan with 10-foot ceilings, creating a bright and spacious atmosphere. The first floor features prefinished hardwood floors throughout, complemented by stylish custom lighting. The chef’s kitchen is a standout with stainless steel appliances, granite countertops, classic subway tile backsplash, abundant cabinetry, and a large island. An elegant dining room with designer lighting overlooks the private patio, ideal for entertaining or relaxing. Upstairs, the high ceilings continue. The primary suite is a true retreat with an ensuite bathroom, tiled shower and walk-in closet. Additional bedrooms provide flexibility for guests, a home office, or hobbies. A soothing neutral color palate throughout the home enhances the inviting vibe. The Waters Edge lifestyle includes access to a community pool and walking trails, plus you’re just steps from the Catawba River and newly renovated Y fitness center. Nearby, enjoy boating at Tailrace Marina, waterside dining at JR Cash Grill & Bar, or exploring the charm of Downtown Belmont and Downtown Mount Holly. Medical facilities including CaroMont Regional Medical Center are less than two-minutes away. For commuters, the location is unbeatable—just off Exit 26 on I-85 with quick access to the airport, I-485, and Uptown Charlotte. This serene home is sure to inspire the next bright chapter in your story.
Source: CANOPYMLS #4303176
Neighborhood
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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.