Don't miss this rare opportunity to own what feels like a brand-new home in the heart of Goose Creek! Originally rebuilt down to the studs, this 3 bedroom, 2 bathroom home has been transformed with high-end finishes and thoughtful design choices that are almost impossible to find at this price point. From the moment you pull into the driveway, the crisp painted brick exterior, modern front door, and mature trees create a welcoming first impression. Step inside and you'll immediately notice the open layout and designer finishes throughout. The marble styled tile floors run through the entire home, creating a clean, cohesive feel while making everyday maintenance a breeze.The kitchen is the centerpiece of the home and was designed for gathering. A massive island with additional storage aprep space anchors the room, while custom cabinetry, stainless steel appliances, quartz countertops, and stylish lighting give the space a custom-home feel. Whether you're hosting a world cup watchparty, helping with homework at the island, or enjoying a quiet morning coffee, this space naturally becomes the heart of the home.The primary suite feels like a retreat. The spa-inspired bathroom features a large soaking tub surrounded by beautiful tile work, custom built-in shelving, dual vanities, and finishes that look like they belong in a luxury custom build. The walk-in closet provides plenty of storage and keeps everything organized and tucked away.Outside is where this property really starts to separate itself from many homes in the area. Sitting on approximately a third of an acre, the fully fenced backyard offers an incredible amount of usable space. Whether you envision weekend cookouts under the covered patio, a future pool, a playground, a garden, or simply room for pets to run, there's space here to make it happen. The large covered rear porch creates an additional outdoor living area that you'll find yourself using year-round.Single-story living means no stairs to climb, and the location makes commuting throughout Goose Creek, North Charleston, Summerville, and the Naval Weapons Station convenient. Shopping, dining, schools, and everyday essentials are all just minutes away.Finding a home with this level of renovation, this much outdoor space, and a move-in ready feel is becoming increasingly difficult. If you've been waiting for something that feels fresh, modern, and truly different from the typical resale home, this is one you need to see in person.
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.
