465 Youngs Gap Rd Fletcher, NC 28732
Your savings
About this home
Mountain-Style Homestead Retreat – 3BR/2BA Custom Cabin on Private Acreage Come and experience the charm and craftsmanship of this stunning 3 bedroom, 2-bathroom cabin, thoughtfully built with trees milled right on the property. Rich in character, the home features custom woodwork throughout, handcrafted accents, and expansive windows that frame the stacked stone fireplace—creating the atmosphere of a true mountain lodge. Set on a spacious, unrestricted lot with no HOA, this property offers incredible flexibility, with an unfinished basement for storage or future living space, 30x30 barn shell ready to be customized, Chicken coop, pond, and fenced acreage—perfect for animals and homesteading. Additionally you will find mature landscaping with fruit trees, a stone patio, fire pit, and multiple decks for outdoor entertaining. Bring your animals, dreams, and your love for nature—this is a rare opportunity to own a one-of-a-kind retreat where serenity and self-sufficiency meet.
Source: CANOPYMLS #4275186
Loan details
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.