Exceptional Living Space, Style and Serenity! Welcome to this timeless all brick & stone feature-rich home! Beautifully maintained, offering 3,591 sq ft of living space, thoughtfully designed for comfort, flexibility and everyday luxury. Set on just over an acre of land in a highly desirable amenity-rich community near Lake Wylie. Offering living at its finest with privacy, space and room to grow! The interior of this home boasts a chef’s gourmet kitchen which features a gas range, pot filler, double oven, stainless steel appliances, stand-alone ice maker, farmhouse sink, granite countertops, cabinets and counter space galore. The open concept living room, brings a warm focal point to the home with a large gas fireplace and gorgeous built-in cabinets. The primary bedroom with upgraded LVP flooring and ensuite can be found on the main level which includes expansive his & her walk-in closets. Enter through the impressive French doors on the main level to a flexible room that can be used as an office, library or formal dining room. Finally, a functional laundry and ½ bath all on the main floor. Beautifully maintained hardwood floors shine throughout the main level leading to the three-car garage with built-in shelving. The basement level has unfinished space with a garage door for cars, tractors, workshop, man-cave, she-shed and a ½ bath. Climbing the curved oak staircase to the upstairs, you will find upgraded LVP flooring in all bedrooms and living areas, three generously sized bedrooms, and two more full baths. Enjoy the outside of this property where privacy and space abound. The expansive fully fenced backyard is ideal for pets, child play and entertaining. Easy access to the ½ bath makes outdoor entertaining wonderfully convenient. Wander through an abundance of garden features, including: apple, peach, and fig trees, a pawpaw tree, blueberry, blackberry, and raspberry bushes, flower beds and herbs. Zoysia grass in the front lawn provides low maintenance with a front yard irrigation system. Peace of mind comes with your new home in a hard-wired security system and central monitoring. This home comes with two lots/parcels and therefore two HOA Boat/RV storage spaces on site, twice the storage of most homes! Award winning Clover schools to include the new state of the art schools set to open in Fall of 2026, and this home has been re-zoned for these amazing schools beginning in fall of 2026. For school information visit: https://www.clover.k12.sc.us/o/district/page/student-reassignment-2025 Life here provides easy access to Lake Wylie for boating, fishing, sun and fun! Easy access to downtown Charlotte and CLT International Airport. Many small trendy restaurants and shopping is nearby to enjoy, as well as malls and grocery stores for your everyday needs. This amazing home seamlessly blends space, functionality and lifestyle – offering the freedom of acreage and the convenience of community amenities, with the comfort of thoughtfully upgraded interiors. Whether you are entertaining, gardening, working from home or just simply enjoying a quiet evening by the fire, this property delivers a rare combination of flexibility, charm and class. Come see it today and call it HOME!
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.
