6859 Locksley Pl SW Ocean Isle Beach, NC 28469
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About this home
Cameron Woods is a private gated community, located less than 10 minutes +/- from Ocean Isle Beach, NC. This quaint island town has activities year round for all to enjoy. From the October Oysterfestivals, to the November Floatilla boat parade on water, the summer free concert series and so much more. Ocean Isle Beach is a place to call HOME. This 3 bedroom, 2 bathroom Real Star 2020 built home has all of the bells and whistles. Positioned on a quiet court and conveniently located right across the street from the community clubhouse, pool, fitness center, pickleball courts and mailboxes. Here you can enjoy a minute walk to the mailbox, pool or your morning workout. You will enjoy only a neighbor on your left side as the property behind the home is HOA owned and will not be built on. Privacy isn't easy to find, but this one has it all! Enjoy a light and bright open floorplan with beautifully upgraded lighting fixtures. The ocean waves can be heard from the sliding glass doors off of your dining area, leading into your screened porch area. The kitchen boasts an oversized island, pantry, plenty of cabinets for storage space, drop down lighting, granite counter tops and a full stainless steel appliance package. That's right this home will come with all appliances to include the washer and dryer. Enjoy your spacious primary suite with en suite bathroom and oversized walk in closet. The primary bathroom will feature double vanity sinks, a walk in low entry grade shower, soaker tub and linen closet. This home comes with a 220 V outlet at the back patio area, ready for you to install your new hot tub or a whole home generator. This home's landscaping has been meticulously maintained and will have a full irrigation system installed. Enjoy ceramic tile flooring throughout this home, the luxury flooring alone was a $30,000 upgrade when the home was built. The home's flooring is perfect for sandy toes or messy golf shoes after 18 holes. Schedule your viewing of this home today
Source: NORTHCAROLINAREGIONAL #100538995
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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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