Looking for a grand Southern home in Pawleys Plantation with marsh views, wide living spaces, and classic Lowcountry charm? This property blends timeless design with peaceful surroundings, offering a calm setting under moss-draped oaks and close access to the Jack Nicklaus Signature golf course, dining, beaches, and schools. Set on a beautiful one-acre lot, this home provides both privacy and room to enjoy the natural landscape. As you pull up, the grand outdoor staircase sets the tone for the elegance that follows. Inside, the home feels bright and comfortable, with natural light flowing through tall windows and glass doors. Warm hardwood floors, detailed trim work, and spacious rooms contribute to an atmosphere that feels calming from the moment you step through the front door. With over 4,500 square feet of heated living space, this residence offers 4 bedrooms, 4.5 baths, and three well-designed levels with an elevator. From the wide front porch, the foyer opens to high ceilings, crown molding, and views straight through the living area toward the marsh. To the right is a private office with built-ins. Down the hall are two full baths, a laundry room, and large closets for storage. The living room includes detailed millwork, a fireplace, recessed lighting, and built-in shelving. Large windows look out toward the trees and marsh, creating a peaceful backdrop. Off the living room is a sitting room/sunroom, perfect for morning coffee in soft natural light. The kitchen is expansive, featuring granite countertops, a center island, gas cooktop, wall ovens, and warm custom cabinetry. A long breakfast bar with seating opens to the living area, making it convenient for serving or gathering. Next to the kitchen, a spacious dining area framed by windows flows out to a screened porch that overlooks the natural landscape. The primary bedroom suite sits on this level as well - generous in scale, with tray ceilings, a sitting area, and access to rear views. The suite includes dual walk-in closets and a spacious bath with separate vanities, a soaking area, and a tiled shower. The third floor includes two additional bedrooms, each with a private bath and generous closet space - ideal for long-term guests or anyone seeking extra privacy. The lower level offers another large bedroom with a full bath nearby, along with a large garage. This oversized garage provides exceptional space for vehicles, golf carts, workshop areas, hobbies, or extensive storage. Outdoor living areas with mature trees, natural plantings, and plenty of room for seating or garden areas. From the back of the home, marsh views and the surrounding oaks create a setting that feels like classic Pawleys Island - beautiful, shaded, and breezy. The front porch features gorgeous golf course views. The long-established community of Pawleys Plantation is settled along the scenic salt marsh inlet of Pawleys Island and boasts lush tree-lined streets. It’s an easy drive to the beaches, as well as the Waccamaw River boat launches, Brookgreen Gardens, and Huntington Beach State Park. Measurements are not guaranteed. Buyer is responsible for verifying.
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.
