Welcome to 4027 Hartland Street, a beautifully designed 2 bedroom, 2.5 bathroom townhome offering an ideal blend of comfort, convenience, and low-maintenance living.Thoughtfully laid out for both everyday living and entertaining, the main living level features an open concept design where the kitchen flows seamlessly into the dining and living areas. This inviting space is filled with natural light and perfectly suited for gathering with family and friends. A dedicated office nook provides a flexible work-from-home solution without sacrificing living space, while the convenient guest powder room on this level adds functionality for hosting.One of the standout features of this residence is the oversized garage, a rare find for townhome living. Large enough to accommodate two......vehicles while still offering generous room for storage..or park one vehicle and turn the remainder into a home gym, or hobby space. It delivers exceptional flexibility rarely found in similar properties. Just beyond the living area, a spacious porch and fenced backyard create a peaceful outdoor retreat framed by mature trees and tranquil pond views. This private setting is ideal for indoor and outdoor living, entertaining, or simply enjoying time with pets in a serene natural backdrop. Upstairs, both bedrooms offer the privacy of ensuite bathrooms, creating dual primary suite potential. The laundry is thoughtfully positioned between the bedrooms for ultimate convenience, making daily routines effortless. Each space is designed to maximize comfort while maintaining a clean aesthetic. Ideally positioned for convenience, this townhome is within walking distance to West Ashley High School and just five minutes from I-526, making commuting simple. Enjoy being only 10 minutes from the restaurants and boutiques of Avondale, less than 20 minutes to Charleston International Airport, and less than 30 minutes to the area's renowned beaches. Everyday shopping, dining, and services are all just moments away, enhancing the ease of daily life. With very low HOA dues of just $215 per quarter and a setting that balances privacy with accessibility, 4027 Hartland Street presents an exceptional opportunity for those seeking stylish, easy living in a highly convenient Charleston location.
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.
