13 Upper Pond Rd, Columbia, SC 29223
6 beds · 5 baths · sqft sqft
Welcome to 13 Upper Pond Road, a breathtaking residence nestled in the highly sought-after and exclusive neighborhood of WildeWood. This completely renovated home combines timeless elegance with modern luxury, offering over 5,400 square feet of meticulously designed living space. Step into the expansive, open layout with sun-drenched living spaces and beautiful hardwood floors. The great room with a cozy fireplace flows effortlessly into the dining area, making it ideal for gatherings and day-to-day living. The stunning master suite offers a peaceful escape with a spa-like ensuite bath, dual vanities, a soaking tub, and a large walk-in shower. Off of the master suite is an amazing vaulted sunroom! Downstairs offers 2 additional large bedrooms and 2 baths. The kitchen is chef’s dream, featuring custom cabinetry, high-end appliances, granite countertops, separate sub-zero refrigerator & freezer, wine cooler, wine rack, and a spacious island perfect for meal prep and entertaining. Upstairs a loft media room w/ homework bar, play room/6th bedroom. Super private backyard with two flagstone patios and a hot tub space with available water and electric hookups. This home is just minutes from top-rated schools, shopping, dining, and major highways, offering the perfect balance of privacy and convenience. HOA includes social membership at The Wildewood Club with upgrades available. Schedule your appointment today and experience luxury living at its finest!
Source: COLUMBIASC #596666
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #596666
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: #596666
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.