Welcome to this move-in ready tri-level gem located in the established neighborhood of Pine Brook Forest — a community loved for its mature trees, timeless neighborhood charm, and unbeatable convenience. This fully brick home offers nearly 2,600 square feet of thoughtfully designed living space with 4 bedrooms and 3 full bathrooms, blending classic character with modern luxury upgrades throughout. Inside, you’ll immediately appreciate the abundance of space and natural light. The home features a large formal living room filled with natural sunlight, a spacious front room perfect for a den, office, or flex space, and a formal dining room conveniently located just off the kitchen. The oversized kitchen offers granite countertops, generous prep space, and plenty of room for gathering and entertaining. Upstairs, the primary suite has been transformed into a true luxury retreat with extensive custom upgrades. The renovated primary ensuite showcases elegant gold fixtures throughout, stunning waterfall faucets, and a custom-built fully tiled blue marble shower designed to create a true spa-like experience. The shower features three shower heads including an overhead rainfall shower head, along with a high-end luxury wand feature for added convenience and comfort. Additional highlights include a luxury commode, built-in bluetooth speaker features, and upgraded designer lighting in both the bathroom and primary bedroom. The result is a space that feels both modern and elevated. Three bedrooms are located upstairs, while the fully finished basement offers incredible flexibility with an additional bedroom, a large flex room, and direct access to the backyard — ideal for guests, a media room, gym, playroom, or multi-generational living setup. Outdoor living is just as impressive with a screened-in porch overlooking the massive fully fenced backyard, recently cleared to maximize usable space while still preserving the beautiful mature trees that make this property feel peaceful and private. The property also features an impressive 83-foot double-width driveway leading to the spacious 2-car garage, offering ample parking for multiple vehicles, guests, or recreational storage. Numerous major system updates provide peace of mind including a roof replaced in 2023, a completely new heating system in 2025 including a new heat pump, new air condenser in 2021, and a fully encapsulated crawl space with vapor barrier. The location is hard to beat — just minutes from downtown Simpsonville, close to Discovery Island, approximately 15 minutes from downtown Greenville, and offering easy access to the interstate for convenient commuting. With timeless curb appeal, luxury upgrades, flexible living spaces, and an ideal location, this home truly has it all.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
