Majestic Southern-Style Home in Pawleys Plantation With Expansive Marsh Views! 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. As you pull up to the home, the grand outdoor staircase sets the tone for this home. 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 create a setting that feels calm from the moment you step through the front door. This residence offers 4 bedrooms, 4.5 baths, and three levels of space. Designed for easy living, the layout moves naturally from room to room. From the front staircase and wide porch, the foyer opens to high ceilings, crown molding, and views straight through the living area toward the backyard. 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. Off the living room is a sitting room/sunroom, perfect for morning coffee with soft natural light. The kitchen is expansive, with 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 easy to serve or gather. Next to the kitchen is a spacious dining area framed by windows, flowing out to a screened porch that overlooks the natural landscape. The primary bedroom suite sits on this level as well - very large in scale, with tray ceilings, a sitting area, and access to rear views. The primary suite includes dual walk-in closets and a spacious bath with separate vanities, a soaking area, and a tiled shower. The 3rd floor includes two additional bedrooms, each with private baths and generous closet space. It's ideal for long-term guests or anyone seeking extra privacy. The lower level offers another large bedroom with a full bath nearby, along with an oversized garage area that spans almost the full footprint of the home. There is plenty of space for vehicles, golf carts, workshop areas, and storage. The outdoor living areas are quiet and peaceful, with mature trees, natural plantings, and room for seating or a garden area. 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. Low HOA fee. The long-established community of Pawleys Plantation is settled along the scenic salt marsh inlet of Pawleys Island and boasts lush tree-lined streets. Easy drive to the beaches, as well as to 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.
