1320 Garland St, North Charleston, SC 29420
3 beds · 3 baths · 1,450 sqft
*ROCK BOTTOM PRICE FOR QUICK SALE** Beautiful townhome, situated in the highly desirable Dorchester District 2 School District, offers a blend of modern comfort and convenience. Upon entry, you will be welcomed by newly laminated flooring that flows seamlessly through the foyer, half bath, and kitchen, enhancing the home's inviting ambiance. The spacious kitchen, which overlooks the family room and dining area adorned with engineered wood flooring, is perfect for both entertaining and relaxation. Ascend to the upper level to find the main bedroom suite featuring a generous walk-in closet and a private bathroom equipped with dual sinks andample storage. Two additional bedrooms, a hall bathroom, and a laundry closet provide further practicality. Beautiful townhome, situated in the highly desirable Dorchester District 2 School District, offers a blend of modern comfort and convenience. Upon entry, you will be welcomed by newly laminated flooring that flows seamlessly through the foyer, half bath, and kitchen, enhancing the home's inviting ambiance. The spacious kitchen, which overlooks the family room and dining area adorned with engineered wood flooring, is perfect for both entertaining and relaxation. Ascend to the upper level to find the main bedroom suite featuring a generous walk-in closet and a private bathroom equipped with dual sinks and ample storage. Two additional bedrooms, a hall bathroom, and a laundry closet provide further practicality. Beautiful townhome, situated in the highly desirable Dorchester District 2 School District, offers a blend of modern comfort and convenience. Upon entry, you will be welcomed by newly laminated flooring that flows seamlessly through the foyer, half bath, and kitchen, enhancing the home's inviting ambiance. The spacious kitchen, which overlooks the family room and dining area adorned with engineered wood flooring, is perfect for both entertaining and relaxation. Ascend to the upper level to find the main bedroom suite featuring a generous walk-in closet and a private bathroom equipped with dual sinks and ample storage. Two additional bedrooms, a hall bathroom, and a laundry closet provide further practicality. The outdoor space includes a screened-in porch with storage, an extra patio, and a fenced backyard, ideal for pets and gatherings. A 1.5-car garage adds to the convenience, ensuring ample space for vehicles and storage. Located just minutes from the airport, airbase, and major highways I26 and I526, this home offers easy access to downtown Charleston, West Ashley, Daniel Island, and Mount Pleasant. Move-in ready, it presents an excellent opportunity for families or investors alike. The HOA covers common areas and front-of-home power washing, with one of the lowest townhome regime expenses in the area. Prospective buyers are encouraged to conduct due diligence regarding the unit and HOA requirements. **MASTER BEDROOM FURNITURE, LVING ROOM SOFA, DINING ROOM TABLE AND CHAIRS ALL CONVEY WITH THE SALE** BACK ON THE MARKET AT NO FAULT OF SELLER. BUYER DID INSPECTIONS AND CL100 ALL CLEAR BUYER CHANGED THEIR MIND.
Source: CTAR #25004636
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25004636
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.
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.
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.
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.
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.