115 Woodland Chase Ct, Simpsonville, SC 29681
5 beds · 3 baths · sqft
Assume this home at 3.75% and save thousands annually. 115 Woodland Chase Court, built in 2016, is being sold by the original owner. You will notice pride in ownership throughout this exceptional property. The two-story constructed home has outstanding curb appeal and is nestled on a private cul-de-sac lot in the established community of Woodland Chase located in the desirable Five Forks area of Simpsonville. There is 3157 SQFT of heated and cooled living space (per the appraisal) with 5 bedrooms, 3 full bathrooms, and a three car attached garage. Enjoy the sights and sounds of nature while walking or jogging on the neighborhood walking path that runs along Guilder Creek. The floorplan, called the “Landon”, is a highly sought after design that offers an open concept, smart layout, and tons of natural sunlight. The owner has beautifully decorated the home including neutral wall color selections. The kitchen is a chef’s dream with classic upgrades buyers will love such as off- white cabinetry, plenty of storage, a tumbled stone backsplash, polished granite countertops, an oversized gourmet island with breakfast bar, a stainless sink with disposal, stainless steel appliances including double ovens, dishwasher, a gas cooktop with vent, and a GE refrigerator. As you enter the front door, a welcoming foyer greets you where you will immediately notice a formal flex space that is currently set up as a home office but could be a formal dining room. Also, you will notice custom design details such as the beautiful hardwood floors and arched doorways that grace the main level throughout. The spacious kitchen is open to a bright and airy breakfast room that is large enough to serve as a primary dining area or as a secondary informal dining area if needed. There are many options for how the living spaces can be used. The open concept flow of the kitchen and breakfast room seamlessly connects to the family room that has an impressive floor to ceiling stacked stone fireplace with hearth, mantle, and gas logs that create instant ambiance and warmth. Step out onto the screened porch to enjoy views of the tranquil, private, and fenced in backyard. The backyard is landscaped with 8 foot Soft Holly Trees and solar lights on the fence creating a personal oasis, perfect for entertaining family and friends. Rounding out the main level is a bedroom with its own full bath making it a downstairs suite and a mudroom that is adjacent to the kitchen with direct access to the 3-car attached garage making off-loading groceries and shopping items a breeze. The garage boasts gleaming epoxy floors, automatic garage doors that are insulated, and storage shelving. The second level is where you will find a spacious owner’s retreat with a tray ceiling, two walk-in closets, and a generously sized ensuite bathroom featuring stylish fixtures, a tiled shower, a garden tub, and facing vanities each with ample storage, swivel mirrors, and gleaming granite countertops. There are three additional bedrooms on the second level that share a spacious hall bath complete with a double sink vanity, toilet, and tub/shower combination with a tile backsplash surround. The laundry room is also conveniently located on the second level and has storage/hanging racks and a utility sink. Other noteworthy details include the 9ft+ smooth ceilings, NEW carpet upstairs, NEW faucets, NEW ceiling fans, built-in surround sound system in great room with speakers and subwoofer, 2” Levolor blinds throughout, HVAC system with UV sanitizing lamp and carbon filter, CPI security system, a tankless water heater, a gutter system equipped with Gutter Guard, an extra wide driveway that can fit up to six vehicles, and a front storm door. The Electrolux Washer and Dryer set with pedestals is considered, by the seller, a negotiable item. This home is just about 6 miles from charming Downtown Simpsonville and family friendly Heritage Park, about 7 miles to I-3
Source: GREENVILLESC #1551612
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Gap financing to lower your down payment
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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Rates and payments are estimates based on public records.
Source: Public records
Source: GREENVILLESC #1551612
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.
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