Step into timeless Lowcountry elegance at this beautifully maintained Charleston-style home, where fresh interior paint, stunning curb appeal, and a warm, welcoming neighborhood create the perfect blend of charm and comfort. Nestled in the peaceful community of Harmony Township, this home offers the relaxed lifestyle buyers dream about, where every day feels like a retreat. Designed for both entertaining and unwinding, the expansive double front porches invite you to sip sweet tea, enjoy morning sunrises, or relax in the cool evening breeze. Out back, peaceful porch views and serene outdoor living spaces create the perfect backdrop for quiet mornings, summer barbecues, and unforgettable gatherings. Inside, refined Southern character shines through with soaring 10-foot ceilings, rich hardwood floors, elegant crown molding, and a cozy gas-log brick fireplace. The formal dining room makes a striking impression with beautiful copper tin ceiling tiles, adding warmth and sophistication to every dinner party and holiday gathering. The gourmet kitchen is a chef’s dream featuring stainless steel appliances, a five-burner LP cooktop, abundant workspace, and a spacious breakfast bar ideal for casual mornings or entertaining guests with ease. Conveniently located on the main level, the luxurious primary suite serves as a private sanctuary with two walk-in closets and a spa-inspired ensuite bath complete with double vanities, a soaking tub, and a walk-in shower. Upstairs, you’ll find three generously sized bedrooms, two full baths, and a large bonus/media room perfect for movie nights, hobbies, a playroom, or home office space. Outdoor living continues to impress with a screened-in back porch, spacious wooden deck, and detached two-car garage connected by a covered walkway. Beyond the home itself, Harmony Township offers an inviting sense of community along with exclusive access to a private boat landing and marina with slips available for purchase, providing direct access to the Sampit River and Winyah Bay, which is an absolute paradise for boating and coastal living enthusiasts. From peaceful evenings on the porch to vibrant days on the water, 55 Pineberry Drive delivers the perfect combination of Southern elegance, modern comfort, and laid-back coastal living. Seller is also offering added peace of mind with a one-year home warranty.
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.
