658 Hickory Branches Dr Belville, NC 28451
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About this home
Like NEW 4 bedroom, 2.5 bath home perfectly situated on a quiet cul-de-sac in the heart of Leland/Belville, just minutes from shopping, dining, parks, and a quick drive over the bridge to downtown Wilmington. This move-in ready property features fresh paint and new carpet throughout, a spacious living room with fireplace, a dining room that opens onto a large covered patio ideal for outdoor dining and entertaining, and an updated kitchen with a complete appliance package less than five years old. The master suite offers a walk-in closet, tray ceiling, and a bright bath with double vanities, while the additional bedrooms provide space for family, guests, or a home office with easy-access attic storage. Thoughtful upgrades include a two-car garage with brand new epoxy flooring, a large concrete parking pad for boats, trailers, or RVs, and a fully outfitted security system with Google cameras. Outdoor living shines with a large fenced backyard, swimming pool with expansive decking, an 11' x 8' storage building with built-in shelving, and a charming front porch. With no HOA dues or restrictions, top-rated schools nearby, and just 30 minutes to Carolina and Wrightsville Beaches, this home truly offers the best of convenience, comfort, and lifestyle. All updates and improvements have already been done, making this a turnkey opportunity!
Source: NORTHCAROLINAREGIONAL #100531432
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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.