5104 Mesa Verde Rd Charlotte, NC 28277
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About this home
Welcome to 5104 Mesa Verde Road, a stately residence in the estate section of popular Stone Creek Ranch. This 5-bedroom, 3.5-bath home sits on a premium lot, backing HOA owned woods. Inside, a foyer with niche leads to a dedicated home office with french doors. There's formal living and dining, which connect to the kitchen. It has solid surface countertops, under cabinet lighting, a walk-in pantry and stainless appliances (including 5-burner gas cooktop, and double ovens). From there, there's casual dining/breakfast and a gracious family room with fireplace and a lighted built-in cabinet/bookshelf. Upstairs, the primary suite is spacious and offers bath with dual vanities, soaking tub/separate shower, plus a walk-in closet with built-in safe. There are 4 more bedrooms, and 3 baths on floor 2, plus laundry and walk-in storage. Other notable features/upgrades include fresh paint throughout, arched openings, extensive crown molding, tankless hot water heater, water filtration in the kitchen, and irrigation. Enjoy 10' ceilings on the first level, and 9' upstairs. 2-car Garage with insulated garage doors and ample driveway parking. Amenity-filled community with sidewalks, pool and playground. Located minutes from Waverly & Stonecrest Shopping Centers, Stone Creek Ranch offers the perfect blend of convenience and community.
Source: CANOPYMLS #4320847
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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.
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