111 Saint James Blvd, Goose Creek, SC 29445
4 beds · 2 baths · sqft sqft
Welcome home to this charming and beautifully renovated brick ranch on a picturesque 1/3-acre lot in the established neighborhood of St James Estates with no HOA! The thoughtful renovation includes all new wood laminate flooring, stylish fixtures, well-designed bathrooms, and so much more. The flexible floor plan offers spacious gathering areas, as well as 3 bedrooms, plus a FROG (finished room over garage) that would be perfect for an office, playroom, or 4th bedroom. As you enter the foyer from the welcoming front porch, you're invited into the large dining room with a gorgeous original picture window. The kitchen, with its freshly painted white cabinets, new stainless appliances, and quartz countertops is open to the casual dining space, with a classic original bay window,and the cozy family room. You'll love to retreat to the Primary bedroom and your stunning new bathroom with double vanity, recessed lighting, brushed gold fixtures and mirrors, and the fully tiled walk-in shower. Two more bedrooms share a hall bathroom that has been completely renovated using a classic black and white palette that includes a new vanity with quartz top and a soaking tub with subway tile surround. The large, fenced backyard with shade trees, patio, and firepit is perfect for relaxing and entertaining, and the lovely front yard features a peach tree, lime tree, and fig tree. Other highlights include smooth ceilings, fresh paint inside and out, a new water heater, new front and back doors, a 1 car garage with service door and so much more. St James Estates is conveniently located near Tanner Plantation, so just minutes to Bowen's Corner Elementary, grocery stores, restaurants, shopping, and parks. You'll be within 20 minutes of the airport, military bases, beaches, and historic Charleston. This is the perfect home for someone who wants to leave the weekend house projects behind to enjoy all that Charleston has to offer. A $1600 Lender Credit is available and will be applied towards the buyer's closing costs and pre-paids if the buyer chooses to use the seller's preferred lender. This credit is in addition to any negotiated seller concessions. Owner holds a SC real estate license (inactive) and agent is related to owner.
Source: CTAR #24022013
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24022013
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: #24022013
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.