9908 Andres Duany Dr Huntersville, NC 28078
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About this home
ASSUMABLE 2.875% VA MORTGAGE! Fantastic 4 bedroom ranch with basement in sought after Vermillion! This like new ranch plan is open and bright with all the upgrades and extras you could want in your next home. These original owners have spared no expense in making this home a living dream! Some of the many extras and upgrades included in the listing are as follows: 7.5 foot deep front porch, keyless entry to an open floorplan with split bedrooms, 2 on the main level and 2 in the basement. The sellers have installed a custom ELFA metal shelving system throughout the entire home. Pull down shades on the first floor, bedroom 2/office on the main level features built-in ceiling speakers and adjustable custom shelves in the closet. The dining room has an upgraded light fixture and a trey ceiling. Crown mouldings throughout this home. The mud room features ceramic tile floor, custom shelving and includes a full size LG WASHER AND DRYER THAT REMAINS! The awesome garage is sheetrocked and painted and has Newage cabinets with a work bench, pull down stairs to the attic for storage and custom storage installed above the garage door. The kitchen/breakfast/family room is open and provides much light. The kitchen has quartz countertops, stainless steel appliances including a double door REFIGERATOR THAT REMAINS. There is also a stainless steel oven with a gas cooktop, upgraded faucet, a double stainless steel sink and pendant lights. The family room has surround sound and a 75 INCH TV THAT REMAINS! The double door pantry has awesome custom metal shelving with spice pull outs and pull out shelves. Luxury plank flooring covers most of the main level as well as ceramic tile in the laundry room and primary bathroom. The main level also features the primary bedroom with a trey ceiling, paddle fan, a walk-in closet with incredible custom adjustable shelving. The primary bathroom has cermaic tile floor and shower, raised heighth vanity with double sinks and quartz countertops as well as a 2nd walk-in closet. The 1/2 bath features marble countertops. The fully finished basement offers bedrooms 3 and 4 also have ELFA custom metal shelving in the closets and share a 2nd full bath with ceramic tile floor, a tub/shower combination and quartz countertops.There is storage under the staircase which features iron ballasters. The bonus room in the basement features a home theater including a digital projector, a 7.2 Dolby amos theater speakers and a 120 INCH SCREEN THAT ALL REMAINS! Also has a door that goes to a covered patio area. Dual zone, 2 unit, GAS HVAC comes with this home, All located in fabulous Vermillion, one of the most upscale and convenient neighborhoods in Huntersville, with homes ranging up to over one million dollars! Close to great schools, shopping, and churches. Vermillion features many amenities including Club House, Outdoor pool, Street lights, Tennis courts, Sidewalks and Walking trails. Close to great schools, shopping, and churches, Vermillion is super convenient to both I77 and I85, both of them less than 15 minutes away. Call to schedule a private tour of this incredible home before it sells out from under you! Assumable VA mortgage balance is $280,000.
Source: CANOPYMLS #4297866
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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.