130 Emanuel Creek Dr, West Columbia, SC 29170
4 beds · 3 baths · 2,438 sqft
Welcome to 130 Emanuel Creek Drive! This 2012 home features 4 bedrooms, 2.5 baths, and is located just off Emanuel Church Road making it convenient to the Columbia Airport, nearby shopping, and a quick drive to downtown Columbia or Lexington. Nestled on an easy to maintain lot, the home features a 2 car garage, a front porch and balcony, and fresh paint throughout. Inside you’ll find one of two living areas making it ideal for entertaining. The main floor enjoys an open layout, powder room, and hardwood floors. The open kitchen is ideal for meals big or small and features granite countertops, stainless steel appliances, ample cabinet space, and a large walk in pantry. Upstairs you’ll find the 4 bedrooms conveniently located for privacy, and all new LVP flooring. The primary suite is an escape, with expansive square footage, high tray ceilings, a bay window, room for a seating area, balcony access, and a large ensuite bath with a double vanity, separate shower, large soaking tub to unwind, and a generous walk in closet. The second bedroom also has balcony access and shares the full hall bath with the two remaining bedrooms. Outside the home you’ll find plenty of yard space and a patio great for a grill and seating. Schedule your showing before it’s gone! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #598541
Financials
Source: COLUMBIASC #598541
Source: Public records
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%. 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.
Other resourcesWhat 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.
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