Welcome to peaceful country living with beautiful seasonal mountain views! This 4-bedroom, 2-bath, 2,400+ square foot home sitting on 1.24 acres offers charm, comfort, functionality and is ideal for a gentleman's farm, hobby farm, or simply enjoying extra space and privacy. Relax on the classic Southern front porch after a long day or unwind on the rear patio while taking in breathtaking South Carolina sunsets. Inside, you'll find a spacious floor plan featuring two fireplaces, a gas log fireplace in the open living and dining area and a wood-burning fireplace in the cozy den creating the perfect atmosphere for every season. The thoughtfully designed kitchen is equipped with granite countertops, decorative ceramic backsplash, stainless steel appliances, including a smooth-top range with self-cleaning oven, Bosch dishwasher, refrigerator, and even a trash compactor, all of which convey. Additional features include recessed lighting, updated bathrooms with vessel sinks, and a spacious primary closet with an organizer system. The attached garage has been converted into a versatile bonus room and offers endless possibilities as a recreation room, home office, playroom, or potential fifth bedroom. This flexible space features its own mini-split unit for reliable heating and cooling and durable concrete floors. It can also be easily converted back into a two-car garage. The main living areas of the home have been updated with new luxury vinyl plank flooring, nearly the entire interior has been freshly painted, and a new HVAC system installed in 2023 provides added comfort and peace of mind, giving the home a bright, clean, move-in-ready feel. Step outside to enjoy the fenced backyard, offering a great space for pets, children, gardening, or outdoor entertaining. In addition, the approximately 20' x 20' detached garage with electricity provides exceptional versatility as a workshop, home business space, hobby room, storage building, or future pool house. With seasonal mountain views, no HOA, flexible living spaces, and plenty of room to enjoy the outdoors, this property offers the perfect balance of peaceful country living and everyday convenience. Just 20 minutes from Clemson University, 10 minutes to Easley and Pickens, and approximately 35 minutes to downtown Greenville.
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.
