9900 Colvard Cir Charlotte, NC 28269
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About this home
Elegant and all brick, 4 bedroom, 2.5 bath home with main floor living, in a park like setting, in the sought after neighborhood of Colvard Park! This property features some fabulous updates including new lighting, new ceiling fans, window blinds, plantation shutters, and new interior paint. Beautiful two-story foyer with a stately staircase, new hardwoods in the living & dining rooms, and French doors. Gourmet kitchen with island features fantastic storage, counter space, a pantry, new quartz counter tops, refreshed cabinets with new hardware, new sink & faucet, an induction range & new tile backsplash. The breakfast room with breakfast bar leads to a new, two-level deck with a convenient pet ramp. Large Primary suite on the main floor features a vaulted ceiling and a custom, walk-in closet by California Closets. New quartz in Primary bath with a separate tub & shower, and new bidet. A fireplace in the great room has gas logs to keep you cozy, a vaulted ceiling and French doors. Upgrades include a tankless water heater, dog bath in the 2-car garage, a whole house water filtration system, walk-in attic, and a new vapor barrier. The Clark's Greenway entrance is just steps away in the neighborhood, which itself features a green space to play and gather around the Gazebo. Close to I-85, 485, & I-77 and Charlotte's Innovation Park. Excellent shopping, dining, 10 min to Concord Mills and 5 min to Trader Joes! New carpeting, but sellers are offering a flooring allowance, with acceptable offer. Must see to appreciate all this home has to offer!
Source: CANOPYMLS #4264352
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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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