Welcome to this stunning 5-bedroom, 3-bath home nestled on a private cul-de-sac lot in the highly sought-after Pine Forest Country Club community. Combining spacious living areas, thoughtful design, extensive updates, and a fantastic location, this home offers everything you've been searching for.The charming front porch provides the perfect place to relax with a morning coffee or unwind in the evening. Step inside to discover a bright and inviting floor plan featuring a formal dining room to the right of the foyer, filled with natural light and ideal for hosting family gatherings and special occasions. To the left, you'll find a versatile flex space that can serve as a formal living room, lounge area, or home office.Further into the home, the spacious family room serves as the heart of the home. This impressive space features a gorgeous gas fireplace flanked by floor-to-ceiling built-in shelving on both sides, creating a beautiful focal point while offering plenty of storage and display space. Numerous windows fill the room with natural light, creating a warm and welcoming atmosphere. The open-concept design seamlessly connects the family room to the oversized kitchen, making entertaining effortless. The kitchen underwent a complete remodel and is a chef's dream, featuring beautiful quartz countertops, upgraded cabinetry with additional storage, a new sink, updated lighting, stainless steel appliances, a gas range, bar seating, and abundant prep space for cooking and gathering with family and friends. A first-floor bedroom is conveniently located directly across from a full bathroom, making it the perfect guest suite or private space for extended family members. Upstairs, the spacious primary suite provides a relaxing retreat featuring an elegant tray ceiling and a completely remodeled luxury bathroom. Designed with both style and functionality in mind, the spa-like space features dual vanities, a large walk-in shower with dual shower heads, a spacious tiled bench, custom storage areas, updated flooring and modern lighting. A dedicated office nook upstairs offers the ideal setup for remote work, studying, or managing daily tasks and features a sliding pocket door for added privacy. Two additional bedrooms are generously sized and share access to a full bathroom, while a large bonus room with built-ins provides incredible flexibility as a second living room, media room, playroom, fitness area, or hobby space. The laundry room has been thoughtfully relocated upstairs for added convenience, while the original mudroom space remains available for a second laundry area, utility sink, additional storage, or even a second refrigerator. Step outside to enjoy the screened-in porch, offering ample room for seating and outdoor entertaining while overlooking the spacious, fully fenced backyard. The private outdoor space is perfect for pets, play, gardening, or simply enjoying the peaceful surroundings. A custom-built workshop/shed adds even more functionality and includes solar lighting, hurricane anchors, snake-proofing around the foundation, and the ability to add air conditioning, making it an ideal space for hobbies, storage, or projects. This home has been meticulously maintained and thoughtfully upgraded throughout the years. Additional improvements include upgraded luxury vinyl plank flooring throughout the main level, plush carpet and padding installed over the original hardwood flooring upstairs, a tankless water heater, replacement ridge vents to enhance roof longevity, and a high-efficiency Rheem 4-ton gas HVAC system with upgraded smart controls that can be operated directly from your phone. In 2025, the upstairs ductwork was completely replaced and expanded with additional vents and returns to maximize comfort and efficiency throughout the second floor. Additional highlights include a side-entry garage and a spacious driveway with plenty of parking. Conveniently located near shopping, dining, schools, and everyday amenities, this exceptional home is also just a short drive from downtown Summerville. Don't miss this rare opportunity to own a beautifully updated home in one of the area's most desirable golf course communities, where timeless charm, modern upgrades, and exceptional living come together.
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.
