Welcome to 122 Outback Drive—an energy-efficient, move-in-ready townhome in the highly desirable Echo Ridge community, perfectly located near shopping, dining, major interstates, and everything Greer and Greenville have to offer. This beautifully maintained 3-bedroom, 2.5-bath Craftsman-style home combines modern comfort, exceptional efficiency, and low-maintenance living. Step inside to an open floor plan with smooth 9-ft ceilings, wood flooring, and a spacious great room that flows seamlessly into the dining nook and kitchen. The kitchen features a center island overlooking the main living area, granite countertops, stainless steel appliances—including a gas range and built-in microwave—plus ample cabinet space and modern lighting. The main level also includes a patio out back, ideal for grilling and relaxing. Upstairs you’ll find a bright loft perfect for a second living space, office, or media area. The owner’s suite boasts a large walk-in closet, dual sinks, a walk-in tile shower, and trey ceiling. Two additional bedrooms, a full bath, and a walk-in laundry room complete the second floor. This home is built for efficiency and comfort, featuring: • Spray-foam insulated attic • Low-E windows for reduced heating/cooling costs • ENERGY STAR appliances • Fresh-air ventilation system • 14-SEER HVAC system (air handler recently replaced) • Tankless gas water heater • Conditioned attic space for improved air quality and noise reduction • PEX plumbing & MERV-8 filtration • LED/CFL lighting throughout Additional highlights include tilt-out windows, ceramic tile in all bathrooms and laundry, generous closet storage, and an attached 2-car garage with paved drive. Exterior maintenance, lawn care, and common areas are included through the HOA, making this an ideal low-maintenance option for busy lifestyles. Echo Ridge offers sidewalks, streetlights, common green space, and easy access to the new growth and conveniences surrounding the Greer/Taylors area. If you’re searching for a modern, efficient townhouse with thoughtful upgrades and a fantastic location—this is the one. Schedule your showing today!
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.
