Imagine a home that effortlessly adapts to the rhythm of your life, offering the perfect blend of modern comfort, elegant spaces, and absolute convenience. Welcome to 460 White Peach Way, a beautiful single-level sanctuary in Duncan’s highly coveted Peachtree Park—thoughtfully designed to feel just right, whether you are raising a family, hosting grandchildren, or seeking a peaceful, turnkey retreat. Picture your mornings starting here: pouring a fresh cup of coffee and stepping into a sun-drenched, open-concept great room where dramatic vaulted ceilings create an immediate sense of airy calm. The heart of the home is the expansive granite kitchen island—the ultimate central hub. Visualize family gathering for casual breakfasts, friends laughing around the island during a dinner party, or a quiet spot to catch up on the day. Because the kitchen flows so naturally into the living spaces, you are always connected to the heart of the home. The intuitive single-level layout offers exceptional flexibility for any stage of life. The additional bedrooms serve perfectly for school-aged children, overnight guests, or a dedicated home office and hobby space. When the day winds down, escape to your private primary suite—a peaceful retreat featuring a deep garden tub made for long, relaxing soaks, a separate shower, and a massive walk-in closet. Best of all, your weekends actually belong to you. Because the HOA includes full lawn maintenance, you can say goodbye to grueling yard work and simply enjoy your rear patio for weekend barbecues, casual outdoor dining, or a quiet night under the stars. Take a sunset stroll along the pristine neighborhood sidewalks or take advantage of nearby Tyger River Park, which offers something for everyone—from peaceful walking trails to premier playgrounds and sports fields. Location is everything for the Upstate lifestyle. Enjoy a stress-free commute with quick access to Hwy 290 and I-85, putting BMW less than 15 minutes away and GSP Airport just a 20-minute drive. Positioned perfectly between the vibrant dining and shopping scenes of both Greenville and Spartanburg, you have the best of the Upstate right at your fingertips. Backed by award-winning Spartanburg District 5 schools and built with energy-saving smart features that keep your utility bills low, this home offers the lifestyle upgrade you’ve been looking for. Listing Agent is also the seller.
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.
