Welcome home to one of the most desirable one-level floor plans in this amenity-rich, 55+ community in Fort Mill, SC.! This home has been gently used, offering a split bedroom design, with two spacious primary suites, both with ensuite baths and generous walk-in closets. There is also a large flex room that could be used as a study, sewing room or 3rd bedroom with closet and a third full bath! The home is situated on a corner lot/end unit and offers fabulous natural light throughout the day. It is bright and cheerful with neutral colors and spacious rooms that flow together for easy entertaining. The primary suite features a walk in shower plus a brand new walk-in tub with jets- great for therapy or a relaxing soak! The spacious living room adjacent to the kitchen features a gas fireplace, ceiling fan, and access to the private back patio. Enjoy quick meals at the eat-at bar or breakfast table and more formal meals in the separate dining room. The side load garage offers safe and easy access into the home via the laundry/mud room which features more closet storage and shop sink for added convenience. This home lives like a single family home without the concerns of lawn care or exterior maintenance! Four Seasons at Gold Hill is the place to be for active adults looking for social connection and abundant recreational opportunities including a fabulous clubhouse with fitness center, exercise room, gathering spaces, library, dining room and full kitchen. Outside amenities include an in ground pool, hot tub, sport courts, green spaces and more gathering spaces. When you see this home, be sure to visit the clubhouse for a casual walk through on your own or guided tour by a very welcoming team member. Four Seasons is not only a place to call home, it is a lifestyle! In fact, their slogan is, "There are no strangers in our community, only friends you haven't met!" For full details on all this community offers, including amenities, activities, covenants, bylaws and HOA information, visit their website at: fourseasonsgoldhill.org.
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.
