This beautifully maintained 3-bedroom, 2-bath end-unit duplex in the sought-after Heather Glen community offers a bright, open layout with numerous upgrades throughout. Featuring ceramic tile flooring across the main living areas, including the living room, dining area, kitchen, and hallway, along with bamboo hardwood flooring in all bedrooms, this home has no carpet and is designed for both style and easy maintenance. Natural light fills the spacious interior, while blinds throughout provide privacy and convenience. The kitchen is equipped with granite countertops, a large pantry, full appliance package, spray faucet, and ample cabinet space, flowing seamlessly into the main living area for everyday living and entertaining. The oversized primary suite offers a walk-in closet and an en-suite bath with a double upgraded vanity, upgraded mirrored medicine cabinets, and a walk-in shower. Two additional bedrooms and a full bath are positioned separately, providing flexibility for guests, a home office, or additional living space. Additional features include a dedicated laundry area, a two-car garage, rear gutter guards, and stone flower beds with decorative cement edging that enhance the exterior curb appeal. Step outside to enjoy a private patio with an extended concrete pad and a generously sized yard area for a townhome, ideal for outdoor gatherings or relaxing evenings. Heather Glen residents have access to community amenities including a pool, clubhouse with fitness center (gym), library, and gathering spaces, as well as walking paths and a dog park. Conveniently located near North Myrtle Beach, Main Street, shopping, dining, golf, and area attractions, and just a short drive to Calabash, NC, known for its waterfront dining, fresh seafood restaurants, marinas, and coastal charm, this home offers a great combination of comfort, space, and location. Furniture is not included but may be available for separate purchase.
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.
