Welcome to 4016 Janus Drive in Myrtle Beach—a perfect family home offering 4 bedrooms and 3.5 bathrooms with plenty of space for everyone to live, work, and play comfortably. This thoughtfully designed home features a dedicated downstairs office, ideal for working from home, homeschooling, or creating a quiet study or hobby room. Upstairs, you’ll find a spacious loft that’s perfect for a kids’ playroom, movie nights, or an additional family hangout area. One of the upstairs bedrooms includes a full en-suite bathroom, making it ideal for guests or in-laws who desire extra privacy. The open-concept main living area flows seamlessly into the kitchen and dining space, creating a warm and inviting atmosphere for both everyday living and entertaining. The kitchen is equipped with a gas oven range and is complemented by a tankless water heater, providing unlimited hot water for the entire household. Generously sized bedrooms offer comfort and privacy, while the primary suite serves as a relaxing retreat at the end of the day. Step outside to enjoy the large, fully fenced backyard—perfect for children, pets, outdoor gatherings, or simply relaxing in your own private outdoor space. The home also features an irrigation system, making lawn care efficient and affordable. Located in the highly desirable Berkshire Forest community, residents enjoy an exceptional lifestyle with two amenity centers featuring a lazy river, kids’ splash pad, and hot tub. Additional amenities include a nature trail, dog park, pickleball courts, tennis courts, clubhouse, gym, bocce courts, basketball court, horseshoe pit, and a large pond for fishing and kayaking. Neighborhood events such as craft fairs, yard sales, and holiday golf cart parades further enhance the sense of community. Conveniently located near schools, shopping, dining, entertainment, and the beach, this home is also adjacent to Myrtle Beach’s major thoroughfares, including Highways 501 and 31, making everything in the Grand Strand easily accessible. The nearest public beach is just a 15-minute drive away, and grocery stores including Publix, Food Lion, and Lowe’s Foods are only minutes from your doorstep. Don’t miss your opportunity to make 4016 Janus Drive your next home—schedule your showing today!
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.
