Wake up to lake views, sip coffee from the front porch, and enjoy the ease of one-level living in one of Rock Hill’s most desirable lake-access communities. Welcome to 934 Lake Club Drive — where everyday life feels a little more like a getaway. Perfectly positioned directly across from the water, this beautifully designed ranch home offers the rare opportunity to enjoy the Lake Wylie lifestyle without the waterfront price tag. Thoughtfully built for comfort, entertaining, and easy living, this home blends relaxed elegance with functional spaces that truly fit the way today’s buyers want to live. Inside, you’ll find nearly 3,000 square feet of well-appointed living space with an open, flowing layout, spacious living areas, abundant natural light, LED recessed lighting throughout, and all bedrooms on the main level. The primary suite is a true retreat, complete with a lit double trey ceiling, recessed lighting, and peaceful lake views that create the perfect start and end to each day. The primary closet is expansive offering private spaces for multiple inhabitants! The primary bath offers double vanity space with a 3rd grooming vanity, and expansive walk-in spa like shower! The rear of the home features a bright all season Florida room that adds flexible living space ideal for morning coffee, reading, entertaining, hobbies, or simply soaking in the tranquility of the setting. The spacious kitchen opens seamlessly to the main living and dining areas and gives warm views of the stone gas fireplace in the living space, The cozy built in bench dining nook is the perfect space to gather and dine, creating a warm and inviting atmosphere for gatherings both large and small. Featuring a separate prep sink, bar height breakfast bar, a full wet bar, and all water is purified by a whole home water purification system, making this space amazing for entertaining! Spacious secondary bedrooms, generous storage, and a functional floorplan make this home equally suited for everyday living or hosting guests with ease. Situated on an approximately .67-acre lot, the outdoor spaces offer privacy, room to relax, and the kind of setting that encourages slowing down and enjoying the lifestyle that makes lake communities so special. Whether you’re looking to downsize without compromise, avoid stairs, or simply embrace a more relaxed pace near the water, this home delivers. Located just minutes from dining, shopping, recreation, marinas, and all that the Lake Wylie area has to offer, this is more than just a home — it’s a lifestyle opportunity rarely found at this price point. Lake living. One-level ease. Everyday comfort. All without the million-dollar price tag.
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.
