Lowcountry Living at Its Finest -- 8574 Refuge Point CircleEqual parts magazine-worthy and move-in ready, this stunning Lowcountry home is the definition of modern coastal cottage chic. Every room tells a story of thoughtful design, curated color, and relaxed elegance -- the kind of home that stops you mid-scroll and makes you say that's the one. From the haint blue porch ceiling to the spa-worthy primary bath, this is Lowcountry living styled to perfection.From the moment you arrive, the classic sage-gray hardie plank exterior, lush mature landscaping, and breathtaking twilight curb appeal set the stage. The wide front porch, adorned with crisp white columns and that signature haint blue ceiling, invites you to slow down and savor the Southern air before you've even stepped insideThe gracious foyer welcomes you with gleaming hardwood floors and soaring ceilings that set the tone for the quality and character found throughout. To the right, the showstopping bay-windowed sitting room is wrapped in warm golden walls, elegant crown molding, and floor-to-ceiling botanical drapes, with a chandelier that glows like candlelight. French doors open directly to the porch, seamlessly blending the indoors and outdoors in true Lowcountry fashion. The heart of the home is a beautifully designed family room anchored by a custom built-in entertainment wall featuring open shelving, cabinetry, and a sleek linear fireplace -- the perfect backdrop for cozy evenings in. Rich hardwood floors flow throughout the main level, and a graceful staircase with painted balusters and a warm wood handrail adds architectural elegance. French doors at the rear open to yet another covered porch, keeping the outdoors within reach at every turn. The chef's kitchen is a true standout, featuring striking two-tone cabinetry in soft white upper cabinets and sage green lowers, dramatic black granite countertops, a tumbled stone tile backsplash with custom medallion accents, under-cabinet lighting, stainless steel appliances, and a peninsula with bar seating for three. The kitchen flows effortlessly into a charming breakfast nook and a separate dining room -- chandelier-lit and framed with botanical artwork -- equally suited for a casual weeknight dinner or a holiday gathering. Also on the main level, the primary suite is a true private sanctuary. Wrapped in serene sky blue with plantation shutters on every window, the spacious bedroom connects to a dressing corridor with dual walk-in closets before revealing a spa-quality en suite bath that belongs in the pages of Architectural Digest. The fully renovated bathroom features a dual vanity with a quartz countertop, gold-framed mirrors, brass and glass sconce lighting, a freestanding soaking tub with a floor-mount matte black faucet, and a large walk-in shower clad in floor-to-ceiling marble-look tile with a recessed niche and rain showerhead -- all finished with shiplap wainscoting and plantation shutters. A convenient main-floor laundry room with full cabinetry and a utility sink completes the first floor, along with a charming half bath finished in seafoam with oil-rubbed bronze accents. Upstairs, three additional bedrooms offer generous size, plush carpet, plantation shutters, and abundant closet space -- each styled with its own coastal cottage personality, from a serene sage green guest room to a flexible flex/office space with built-in workspace. A well-appointed secondary bedroom with an en suite bath and a shared full bath with tub/shower combo provide room and privacy for everyone. Outside, the mature tree-lined lot offers privacy, shade, and beautifully maintained landscaping. Multiple covered porches -- front, side, and rear -- give you every reason to live outside and embrace the very best of Lowcountry life. And the location? Simply unmatched. This home sits directly across from the community kayak dock and pavilion, where Coosaw Creek flows out to the Ashley River -- one of the Lowcountry's most scenic and storied waterways. Paddle across and you'll find yourself gazing at the grounds of the legendary Middleton Place, one of America's most celebrated historic plantations. Whether you're spending a lazy afternoon floating on the river, launching a kayak at sunrise, or simply gathering at the pavilion with neighbors, this is a lifestyle as much as it is a home. This is the one you've been waiting for: magazine-worthy design, thoughtful updates, impeccable condition, and a location that makes every day feel like a getaway. Welcome to The Refuge.
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.