610 Osprey Landing Dr Holly Ridge, NC 28445
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About this home
Welcome Home! Looking for that dream home, make this your first stop & you'll fall in love with all it has to offer. Just Minutes to the sandy beaches of Topsail Isalnd, enjoy all that the isalnd has to offer, whether a stroll on the beach or a evening dinner on the water you'll love all there is to do. This property is close to USMC Base Camp LeJeune & Stone Bay Gates. Upon entering you'll love how the house feels so welcoming & warm from its textured walls to the updated wood laminate flooring, you'll love the vibe this house gives. Adjacent to the front door there is a great sitting area or perfect space for a formal dining area. Just down the hall is an open concept living space with high ceiling, ceiling fan & open to the eat in kitchen that features plenty of cabinet space & countertops perfect for making all of those holiday cookies with family & friends. Just off the kitchen is the laundry station with built in shelves for the washer & dryer, adjacent to the laundry is the 1/2 bath powder room that is adorable with the doggie wall paper to give it some whismical charm. The best part is the large first floor primary suite with trey ceiling, ceiling fan, the master ensuite features a soaking tub, stand alone shower, dual vanity sinks, a spacious walk in closet. Head upstairs on the updated real wood stairs to the other 2 bedrooms & bonus room. The floors upstaris have been updated with wood laminate & brings such warmth to the home. There is also a large bonus room perfect for a home movie room, game room or office space. Just out back you'll love the patio area that is perfect for entertaining in you private back yard that is fenced allowing your family & pets to enjoy the space. This home has a generator & 2 fuel tanks just in case you need it and give you great peace of mind knowing they're there for any occasion. The 2 car garage is perfect for that home gym or he or she cave. Dont let this one slip by you, call today for your private tour!
Source: NORTHCAROLINAREGIONAL #100539129
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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.