Welcome to a residence where elegance, comfort, and impeccable care come together in perfect harmony. Situated in the sought-after Deer Creek community of Blythewood, this 3,601-square-foot home offers not just space but presence. Every room reflects meticulous upkeep, thoughtful design, and an elevated standard of living that makes this home an extraordinary find. Large windows invite in natural light, drawing attention to the hardwood floors that run through the main living areas. On the main level, you’ll find a thoughtful mix of gathering spaces: an inviting formal living room, a dining area that easily accommodates a full-size table, and a great room anchored by a fireplace that feels genuinely welcoming. The kitchen is built for those who love to cook and connect at the same time: granite countertops, stainless steel appliances, a tiled backsplash, a butler’s pantry for added storage and prep space, and an oversized breakfast bar that naturally becomes a gathering spot. Also, downstairs is a private bedroom with a full bath close by, making it easy to host overnight guests or accommodate multigenerational living. Upstairs, the owner’s suite offers plenty of breathing room with a separate sitting nook and a spa-style bathroom featuring dual vanities, a tiled shower, soaking tub, and a spacious walk-in closet. A flexible loft space is nearby, ready for a media setup, home office, or playroom, and the laundry room is conveniently on the same level. Additional bedrooms upstairs are roomy, bright, and ready to adapt to your needs. Out back, a fenced yard backs up to wooded views, giving you privacy and a sense of calm. The patio and deck make it easy to enjoy mornings with coffee or evenings with friends. Ideally located near Fort Jackson, close to Columbia Country Club, and zoned for award-winning schools, this home offers not only space and style but a location that supports the life you want to build. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
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.
