Fresh interior paint throughout and brand-new luxury vinyl plank flooring across the entire first floor make the home feel bright, clean, and truly move-in ready from the moment you walk in.One of the strongest features of this Johns Island home is the flexibility of the floor plan itself. A first-floor bedroom just off the foyer works beautifully as a private home office, guest suite, playroom, or dedicated work-from-home space.Toward the back of the home, an additional flex room overlooking the backyard creates the perfect sunroom, creative studio, reading room, or second office. Most homes force you to compromise. This one gives you options. The kitchen was designed for real life and easy entertaining, with 42-inch glass-front cabinetry, double wall ovens, generous prep space, and a stacked stone peninsula that naturally becomes the center of the home. The breakfast area flows effortlessly into the living spaces, while the formal dining room with crown molding and shiplap accents adds warmth and character for holidays, dinner parties, and everyday gatherings alike. Upstairs, the primary suite feels like its own retreat with a large walk-in closet, spacious ensuite bath, and a private balcony that invites slow mornings with coffee and quiet evenings outdoors. It's the kind of feature that changes how the entire home feels. Three additional bedrooms, an oversized upstairs laundry room, and an impressive 14x22 bonus room complete the second floor. Media room, home gym, playroom, guest retreat, second living space -- the square footage gives you the freedom to evolve with every season of life. A built-in second-floor safe adds another thoughtful layer of functionality and peace of mind. Outside, the backyard offers a surprising amount of usable space with room to entertain, garden, play, or simply spread out -- something buyers consistently struggle to find at this price point on Johns Island. A double gate and oversized concrete pad create an ideal setup for boat storage, a small RV, golf cart parking, trailer access, or additional outdoor equipment, all tucked neatly behind the fence. The setup feels especially fitting this close to Limehouse Boat Landing, Kiawah, and the outdoor-focused Johns Island lifestyle. A welcoming front porch, rear patio, and two-car garage complete the picture.Life in Swygerts Landing offers more than just a home. Residents enjoy a saltwater community pool, neighborhood play park, and the relaxed energy that draws so many buyers to Johns Island in the first place. Limehouse Boat Landing sits less than 10 minutes away for boating, fishing, and kayaking, while Kiawah Beach is an easy drive down Bohicket Road. Local favorites like Wild Olive, Stono Market, and Angel Oak Restaurant are nearby, with Downtown Charleston and MUSC approximately 25 minutes away -- close enough for convenience, far enough to truly unwind. Move-in ready, flexible, and designed for the way people actually live today, 2816 Ortega Drive offers five bedrooms, two-and-a-half baths, 2,830 square feet, and the kind of layout that grows with you instead of against you.
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.
