Step into charm on South Second Street, where comfort and updates make your heart skip a beat! This beautifully maintained brick home in desirable Easley offers classic curb appeal with modern comforts throughout. Best of all, it's perfectly located so your middle schooler can easily walk to Richard H. Gettys Middle School—a huge plus for families! Step inside to find gleaming hardwood floors, fresh paint, and an inviting open layout perfect for everyday living and entertaining. The cozy living room features a warm brick fireplace as the perfect gathering spot, while the bright, functional kitchen boasts ample cabinetry, updated countertops, and a sunny window overlooking the backyard. Multiple spacious bedrooms provide flexibility for families or guests, and you'll love the updated bathrooms featuring stylish tile work, elegant gold fixtures, marble-style vanities, and a luxurious walk-in shower. Outside, enjoy the spacious fenced yard complete with a playset for the kids, mature trees for shade, rocking-chair front porch for relaxing evenings, and practical outbuildings for storage or hobbies. Convenient location puts you close to local amenities, schools, and all that vibrant Easley has to offer. Priced to sell and move-in ready—this one's a true gem that won't last long! Schedule your private showing today and picture yourself calling this beauty home. I'm here to make the process smooth and enjoyable every step of the way. Don’t wait, set up your tour—your dream home is waiting at the price you can afford!
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.
