05/23/2026
🏡 A 3.75% mortgage in 2026? Yes — and it's right here in Hampstead.
21 Violetear Ridge · 4 bed · 3 bath · 2,777 sqft · Sparrows Bend (pool community)
The play: this $490K coastal home comes with an assumable VA loan at 3.75% fixed (Rate 3.750% · APR *3.862%). For a qualified buyer, that's about $1,136 less per month than today's VA market — fixed for the remaining ~26 years 📉
Two ways to make it work:
🔑 Path A — Assume the seller's existing mortgage loan. $2,618/mo. Lowest payment. More cash to closing (~$129K).
🔑 Path B — Assumption + home equity line at settlement. Only ~$60K cash to close. About $3,100/mo for the first 5 years (HELOC interest-only, then amortizes).
Either path skips today's 6%+ rates. That's real money 💰
🔗 Full numbers + virtual tour: violetear.mattsnyderrealtor.com
📲 Scan the QR in the first frame, or DM "VIOLETEAR" to start the conversation.
Co-marketed with · Darlene Kemp · NMLS #173897 · Atlantic Coast Mortgage NMLS #643114 · Equal Housing Lender. Loan assumption subject to investor approval and buyer qualification. Atlantic Coast Mortgage does not originate assumption loans.
Matt Snyder | REALTOR® · NC #304936
by Intracoastal Realty
📞 (910) 386-6170