109 Southlake Ct, Columbia, SC 29223
4 beds · 4 baths · 3,575 sqft
109 Southlake Ct is a rare find that offers ambiance, curb appeal, 24-hour security, world-class amenities, and so much more. Upon arrival, you’re greeted by a stately three-story brick home that immediately captures your attention. As you open the front door, your eyes are drawn to a soaring two-story entryway. Walking through the main floor, you’ll notice gleaming hardwood flooring, chair rail, heavy baseboards, and tasteful molding, casing, and trim throughout. The great room features a mood-setting fireplace with built-in bookshelves and, a wet bar. The kitchen includes an inviting eat-in area with bay windows overlooking the backyard, stainless steel oven, microwave, dishwasher, solid surface countertops, a tasteful tile backsplash, and ample cabinets. A formal dining room and living room complete the main level, showcasing the craftsman molding. Upstairs, you’ll find a magnificent owner’s suite featuring a tray ceiling. The primary bath boasts dual vanities, a spacious garden tub, a separate shower, and a large walk-in closet. The entire second floor features like-new carpeting, crown molding, ceiling fans, and natural lighting in each of the three large bedrooms. The second bedroom includes a built-in desk and shelving, while the third bedroom features a walk-in closet. This level is complete with a second, shared bathroom with a dual vanity and tub/shower combo.On the third floor, there is a spacious media/playroom with two large dormer windows, attic space, and more. The in-law suite is located on the lower level and includes a private den with a wood-burning fireplace, built-in cabinets on both sides, a fourth bedroom, and a nicely renovated full bathroom. Renovations include a new roof in 2025. The HVAC system, hot water heater, and windows have all been replaced within the last three years. VA homebuyers: You may qualify for a 4.5% interest rate on an assumable VA loan (ask the listing agent for details). The sellers are offering a two-year home warranty and up to $5,000 in seller-paid closing costs. Spring Valley Country Club boasts access to an Olympic-sized pool, tennis and pickleball courts, an 18-hole golf course, and a restaurant. Disc
Source: COLUMBIASC #605632
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: COLUMBIASC #605632
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.