149 Harmony Ln, Myrtle Beach, SC 29588
4 beds · 2 baths · 2,174 sqft
This beautiful Cali floor plan in Harmony at St. James is now available! This like-new home features 4 spacious bedrooms and 2 bathrooms, with the added bonus of a private back patio. As you approach, you're welcomed by a charming entryway and inviting foyer. The single-level, split floor plan offers privacy with the master suite set apart from the other bedrooms, while well-placed closets near the entry and hallway provide ample storage. To the left of the foyer, you'll find two generously sized bedrooms with plenty of closet space, along with a full bathroom featuring a tub/shower combo. On the right, there's a third guest bedroom, a large laundry room, and convenient access to the two-car garage. Step into the heart of the home, where the kitchen, dining, and living areas seamlessly flow together, perfect for entertaining. Large windows bring in abundant natural light, while the kitchen boasts gorgeous cabinetry, granite countertops, a work island, and oversized pantry, and a breakfast bar. The master suite, just off the living room, provides a peaceful retreat with a walk-in closet, double vanity sinks, a step-in shower, and a linen closet. From the living/dining area, step outside to the patio and enjoy a spacious fenced backyard, ideal for relaxing or hosting gatherings. Located just minutes from St. James High School, Harmony at St. James offers easy access to the Beach, the Inlet Marsh Walk, local restaurants, shops, and all that the Grand Strand has to offer. With low HOA fees and great amenities, including an open-air pavilion and fire pit, this community is perfect for neighborhood gatherings. Experience the ideal blend of comfort, convenience, and community in this exceptional home. Don't miss your chance to make Harmony at St. James your new address! Measurements are not guaranteed. Buyer is responsible for verifying.
Source: MYRTLEBEACH #2423938
Financials
Source: MYRTLEBEACH #2423938
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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