OPEN HOUSE!!! Saturday February 7th, 12 Noon to 2 PM NEW Dramatic Price Improvement!!! Don’t miss this rare opportunity to own a better-than-new 3–4 bedroom home in the highly sought-after The Estates at Withers Preserve – Market Common, a natural gas community of only 42 select home sites nestled within a residential enclave offering the largest and most private home sites in the village-style, master-planned community of Market Common. This home is surrounded by permanently protected woodlands in both the front and rear, ensuring unmatched privacy, serene views, and no future development. This exceptional residence embodies modern coastal elegance inside and out. An extra-wide foyer entry with extended sitting area creates a welcoming first impression. Interior features include soaring cathedral ceilings and a gourmet kitchen with pantry and generous center island accented with a glass-tiled kickplate, soft-close cabinetry, a large stainless-steel undermount sink, custom tiled backsplash, gas stove, refrigerator, and all-new pendant and under-cabinet lighting. A natural gas fireplace, finished with glass tile matching the center-island kickplate, provides a warm and inviting focal point, while solar tubes in the family room and kitchen deliver abundant natural light. Entertain with ease in the roomy breakfast nook or the formal dining room, tastefully connected to the kitchen by an arched entryway. There is no builder-grade carpet—wide-plank laminate flooring and porcelain tile flow throughout the entire home, complemented by all-new modern, elegant light fixtures. The spacious primary suite features a spa-like en-suite bath with soaking tub, tiled glass shower with rain shower head and seat, double-sink vanity, linen closet, and a deep walk-in wardrobe closet. A separate laundry room includes a wash sink and additional storage cabinetry. Two generously sized guest bedrooms are tucked away along a spacious hallway, offering privacy and convenient access to a full bath with custom porcelain tile surround. Upgraded ceiling fans in all bedrooms and the living room provide year-round comfort The owner has installed custom barn-door-style dual sliding frosted glass doors to create privacy for the flex space—ideal for a home office, den, study, library, or bonus room. A sliding glass door opens to a paved patio running the entire length of the home and a private wooded retreat, perfect for enjoying South Carolina nature and birdlife. The two-car garage includes pull-down attic storage and additional shelving. Manicured landscaping and attractive curbscaping are enhanced by an irrigation system, outdoor landscape lighting, and paved accent driveway, all complemented by a large covered, gated front porch—ideal for relaxing. All windows are hurricane-rated, eliminating the need for bulky or expensive hurricane shutters. The owner has also purchased HVAC service and home maintenance plans, along with a home warranty. The community offers extensive walking paths and a common ground walkway to a serene pond. Residents enjoy the rare convenience of top-ranked schools and golf cart access to Market Common shopping, dining, athletic fields, entertainment, scenic lake parks, and the beach. Optional access to the Amenity Center Complex includes a 7,000 sq. ft. resort-style pool, two spas, two enclosed toddler pools, 430-ft lazy river, 2,000 sq. ft. pool house with kitchen, fitness center, and locker rooms with showers. Better than new—without the wait for construction. Homes offering this level of privacy, location, and quality are exceptionally rare. Schedule your private showing today to experience the lifestyle you’ve been waiting for. Contact listing agent Bruce Robinson or your buyer’s agent for a private tour. Buyers and agents to verify all MLS information, including square footage, lot size, and HOA details.
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.
