Discover easy coastal living in the sought-after Seasons at Prince Creek West, a gated 55+ community in charming Murrells Inlet. Perfectly positioned on a quiet street with peaceful pond views, this thoughtfully designed 3-bedroom, 2-bath ranch-style home offers the ideal blend of comfort, natural light, and effortless entertaining. Step inside to a welcoming foyer that opens to a spacious, light-filled floor plan with soaring ceilings and large windows that brighten the entire home. The main living area serves as the heart of the home, complete with a cozy gas fireplace and multiple dining spaces that make hosting gatherings with family and friends a breeze. The well-appointed kitchen features beautiful new countertops, stainless steel appliances, generous cabinetry, a pantry, breakfast bar seating, and a window overlooking the backyard. One of the home's most inviting spaces is the bright Carolina room, where walls of windows frame tranquil pond views and fill the room with natural light, an ideal spot for morning coffee, reading, or relaxing. From here, step into the all-season screened porch, designed for year-round enjoyment with the option to open it up for fresh coastal breezes or close it in for comfort during cooler months. The outdoor patio extends the living space even further, complete with a motorized retractable awning that provides shade at the touch of a button-perfect for outdoor dining or quiet afternoons outdoors. The split-bedroom layout ensures privacy for the primary suite, which features elegant tray ceilings, new carpeting, large windows, dual walk-in closets, and a spacious ensuite bath with double vanities, a glass-enclosed shower, linen storage, and a private water closet. Two additional bedrooms are generously sized, with one currently serving as a stylish office with French doors and flexible space for guests. Additional highlights include a covered front porch, a laundry room with extra storage and an attached two-car garage with shelving, and a new hot water heater. The community also offers natural gas and an HOA that includes internet service, lawn maintenance, irrigation, and weekly trash pickup-making everyday living even easier. Life in Seasons at Prince Creek West is centered around an active and social lifestyle. Residents enjoy a beautifully appointed clubhouse, fitness center, indoor and outdoor pools, tennis courts, bocce, shuffleboard, walking and biking trails, arts and crafts studio, billiards room, library, and a full calendar of social events. The location is just minutes from the famous Murrells Inlet MarshWalk, where waterfront dining, live music, and scenic views create a true Lowcountry experience. You'll also be close to Brookgreen Gardens, area state parks, shopping, healthcare, and the sandy shores of Garden City Beach. Beautifully maintained and ideally located, this home offers the perfect opportunity to enjoy the relaxed, active coastal lifestyle that makes Murrells Inlet so special.
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.
