Welcome to 754 Winding Way, where thoughtful design and low-maintenance living come together in the heart of Rock Hill. From the moment you step inside, you'll appreciate the ease of having no carpet throughout the home, creating a clean and cohesive feel from room to room. The current owners have thoughtfully updated and upgraded the home with its next owner in mind. Many of the major improvements have already been completed, allowing you to focus on settling in and enjoying your new home from day one. The open-concept floor plan keeps everyone connected, whether you're preparing meals, entertaining guests, or grabbing snacks during the big game. The kitchen is designed to be both functional and inviting, featuring granite countertops, upgraded cabinetry, stainless steel appliances, and ample workspace for everyday living. Convenience takes center stage with this end-unit home, where the primary suite and laundry room are located on the main level. The spacious primary retreat offers a custom walk-in closet, deep soaking tub, separate shower, and plenty of room to unwind after a long day. Upstairs, a versatile loft creates an additional living space between the secondary bedrooms, providing flexibility for work, hobbies, recreation, or relaxation. With a layout that offers separation between living areas and bedrooms, everyone can enjoy their own space while still feeling connected. Don't miss the HUGE attic storage! Step outside to the patio located just off the main living area, creating an ideal setting for outdoor dining, weekend cookouts, or enjoying a quiet evening outdoors. Located in a convenient Rock Hill location close to shopping, dining, entertainment, healthcare, and major commuting routes, this move-in ready home offers the combination of comfort, convenience, and functionality today's buyers are looking for. With the updates already completed and a layout designed for modern living, 754 Winding Way is ready to welcome its next owner home.
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.
