120 Pebble Creek Rd, Columbia, SC 29223
5 beds · 6 baths · sqft sqft
Southern charm is the best way to describe this pretty home.: combined with spacious interiors, a lovely setting, and large yard with a pool makes this the perfect home for a family! As a plus, it is located in one of the most lovely sections of beautiful Wildewood. All the traditionally expected space combined with expansive high ceilings, and hardwoods, extra bonus rooms and unique flex rooms make this 5 bedroom home a place that could fit most any family or life style..There are added features like a wet bar and flex room that make special uses of space. Owners just replaced all exterior with new Hardiplank.... The large covered porch is all magnificent square feet , and a separate screened porch in the back yard overlooks the pool. Paved driveway and extra covered mini-car port is also perfect for golf cart. Two workshop/utility rooms storing all necessities, and an added feature is the number of closets in this home. It sits high for a lovely partial view of water, and the added feature of a large expansive yard.... partially fenced... HOA fee includes Country Club membership!
Source: COLUMBIASC #594642
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #594642
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #594642