109 Highland Creek Ln, Columbia, SC 29212
3 beds · 2 baths · sqft
Charming one story home in Chestnut Hill Plantation, zoned for award-winning Lexington/Richland Five Schools and close to I-26, Lake Murray, USC, Downtown Columbia & Harbison! Boasting a modern open floor plan with high ceilings in the living and dining areas, this home offers both style and functionality. Laminate floors flow throughout the main living areas, complemented by a cozy wood-burning fireplace in the living room. Abundant windows fill the space with natural light, while elegant arched doorways add a unique touch. The kitchen features stainless steel appliances and plenty of room to prepare meals and entertain. The primary suite impresses with vaulted ceilings and a private bathroom that includes a garden tub, a separate shower, and dual vanities. Step outside to enjoy a serene, wooded backyard with multi-level decks, ideal for entertaining or relaxing with family and friends. The yard is fenced and there is a large storage area beneath the home, perfect for gardening tools and yard equipment. The two-car garage includes a utility sink and custom shelving for added convenience. Residents of Chestnut Hill Plantation enjoy access to incredible amenities, including an Olympic-sized pool, clubhouse, playground, tennis courts, and sidewalks with streetlights. The community also offers a lake with a dock and boat ramp, as well as private access to the Broad River for kayaking, fishing, or relaxing by the water. Make your appointment with our team and visit today!
Source: COLUMBIASC #597299
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #597299
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #597299
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.