Built in 2021, this beautifully maintained 5-bedroom, 3.5-bath home offers the perfect combination of modern design, spacious living, and energy-efficient construction—all just minutes from the best of Myrtle Beach. Step inside to an inviting open-concept floor plan featuring 9-foot ceilings and an abundance of natural light. The well-appointed kitchen serves as the heart of the home with quartz countertops, Whirlpool stainless steel appliances, generous cabinet space, and a large island that seamlessly connects to the dining and living areas, making everyday living and entertaining effortless. Designed with flexibility in mind, this spacious floor plan offers four generously sized bedrooms and 3.5 bathrooms, providing comfortable accommodations for family, guests, or multigenerational living. The versatile upstairs loft creates the perfect second living room, media space, home office, or playroom—allowing you to customize the home to fit your lifestyle. Step outside to enjoy the backyard, complete with a full irrigation system to help maintain a healthy, vibrant lawn with ease. Built to ENERGY STAR® standards, this home combines modern comfort with energy efficiency, helping reduce monthly utility costs. As part of Bella Vita's natural gas community, you'll also enjoy the benefits of efficient gas service throughout the home. Life in Bella Vita means access to exceptional community amenities, including a beautifully designed clubhouse with a fitness center, game room, kitchenette, double-sided stone fireplace, and a resort-style swimming pool. Sidewalk-lined streets and welcoming common areas create the perfect setting for enjoying the coastal lifestyle. Conveniently located just minutes from Myrtle Beach's beautiful beaches, world-class golf, shopping, restaurants, entertainment, medical facilities, and major highways, this home truly offers the best of coastal living with everyday convenience. If you've been searching for a move-in-ready home that offers space, style, and an unbeatable location, 2532 Brescia Street is ready to welcome you home. Schedule your private 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.
