Welcome to 3616 Haymont Lane, a 3 Bedroom, 2.5 Bath, 2.5 Car Garage gem; where space, light, and everyday living come together in all the right ways. From the moment you step through the front door, you're greeted by a grand foyer that immediately sets the tone. Soaring ceilings and an open, airy feel draw your eyes upward, while natural light pours in and makes the entire space feel warm and inviting. Just beyond, the living room continues the story with its impressive high ceilings, perfect for both quiet mornings with coffee and lively evenings hosting friends and family. It's the kind of space that feels both expansive and comfortable at the same time.The layout flows effortlessly, offering the ideal blend of openness and function. Whether you're entertaining guests, enjoying a conight in, or simply going about your day, every room feels connected yet purposeful. And don't think the luxury ends at the door, come and relax on your back patio in the privacy of your fenced yard. The home invites you to slow down, spread out, and truly enjoy where you live. Step outside your front door and you'll find yourself in a location that makes life easy. Enjoy quick access to a variety of local restaurants, shopping, and everyday conveniences just minutes away. Commuters will love the proximity to I-26, making travel to downtown Charleston or surrounding areas a breeze. Plus, being close to Joint Base Charleston, Boeing, and Bosch adds incredible value for those looking to stay near major employers. At 3616 Haymont Lane, you're not just buying a home, you're stepping into a lifestyle filled with comfort, convenience, and room to breathe. CALL TODAY FOR A TOUR!
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.
