Perfectly positioned between GREENVILLE AND SPARTANBURG, this beautifully UPDATED HOME offers approximately 3,700 SQ FT on a spacious .57 ACRE LOT and has been METICULOUSLY MAINTAINED with numerous major improvements. Homes with this level of care, space, and thoughtful updates are rare, making this a truly SPECIAL OPPORTUNITY for a buyer who will appreciate the quality and pride of ownership throughout. Recent upgrades include a NEW ROOF (2025), FRESHLY PAINTED CONCRETE PLANK EXTERIOR WITH STONE ACCENTS, NEW LIGHT FIXTURES, UPDATED HARDWARE, NEW REAR GUTTERS, ONE NEW HEAT PUMP (1 YEAR OLD), and an UPDATED TANKLESS WATER HEATER. The property has also been COMPLETELY RELANDSCAPED with FULL YARD IRRIGATION and DRIP LINES creating a beautifully maintained yard with easy upkeep. This thoughtfully designed home features a UNIQUE FLOOR PLAN with the PRIMARY SUITE ON THE MAIN LEVEL and additional bedrooms in the WALK-OUT BASEMENT, offering flexibility for MULTI-GENERATIONAL LIVING, GUEST SPACE, OR TEEN SUITE. From the front entry, HARDWOOD FLOORS lead you into the inviting living room featuring a COFFERED CEILING and GAS FIREPLACE. The FORMAL DINING ROOM with CROWN MOLDING flows seamlessly into the spacious kitchen, making this home ideal for ENTERTAINING. The GOURMET KITCHEN is designed for both function and style and features QUARTZ COUNTERTOPS, a QUARTZ WORK ISLAND WITH BREAKFAST BAR, POT FILLER, 36-INCH GAS RANGE WITH WARMING DRAWER, DOUBLE WALL OVENS, STAINLESS STEEL APPLIANCES, and a PROFESSIONAL RANGE HOOD. Outdoor living is exceptional with TWO SCREENED PORCHES overlooking the BEAUTIFULLY FENCED BACKYARD, including one with a TREX DECK. These spaces are perfect for RELAXING, ENTERTAINING, OR ENJOYING THE PRIVATE BACKYARD SETTING. The PRIMARY SUITE ON THE MAIN LEVEL offers a private retreat featuring DUAL VANITIES, DUAL WALK-IN CLOSETS, a JETTED TUB, and a SEPARATE TILED SHOWER. The home also features a THREE CAR GARAGE with BUILT-IN CABINETS and EPOXY FLOORS. Just inside the garage entry is a convenient BUILT-IN OFFICE AREA that leads to a HALF BATH and a SEPARATE LAUNDRY ROOM WITH UTILITY SINK—perfect for cleaning up after outdoor activities or washing your fur babies. The WALK-OUT BASEMENT provides incredible additional living space including TWO BEDROOMS THAT SHARE A FULL BATH, a spacious DEN WITH GAS LOG FIREPLACE, and a DOOR TO THE COVERED PATIO UNDER THE DECK. A SECOND HALF BATH OFF THE DEN adds convenience for guests and entertaining. You will also find a LARGE HOBBY OR WORKSHOP ROOM featuring a SINK, RUBBER FLOORING, and EXTERIOR ACCESS, making it ideal for a WORKSHOP, CRAFT ROOM, HOME GYM, OR FUTURE KITCHENETTE. In addition, the home includes an IMPRESSIVE 600 SQ FT OF UNFINISHED STORAGE SPACE, perfect for HOLIDAY STORAGE, HOBBIES, OR FUTURE EXPANSION. The basement bedrooms also feature WINDOW WELL COVERS for added functionality and protection. With its MAIN LEVEL PRIMARY SUITE, WALK-OUT BASEMENT, GOURMET KITCHEN, SCREENED PORCHES, LARGE FENCED YARD, and convenient location BETWEEN GREENVILLE AND SPARTANBURG, this home offers the SPACE, UPDATES, AND LIFESTYLE features today’s buyers are searching for. A home of this caliber is truly something special, and the next owner will be HONORED TO CALL THIS EXCEPTIONAL PROPERTY THEIR HOME. Some furniture may be negotiable.
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.
