1561 Fishbone Dr, Johns Island, SC 29455
3 beds · 3 baths · sqft sqft
Plenty of space for guests in this wonderful home with a large, heated pool on a corner lot. Plenty of parking along the side of this home makes it a unique choice for the neighborhood. As you enter you are greeted with a welcoming dining room, then a useful butler's pantry with nice granite counters, which then flows back into a nice open kitchen with center island. Along the back of the house is a comfy den/living room that connects to the kitchen. Another unique feature is the bright sunroom over looking the pool. It's a double decker sunroom, meaning there is a room on top of this that serves as a nice home office connected to the primary bedroom. As you go upstairs you'll find an upstairs den, and then two good-sized secondary bedrooms and a beautiful hall bath.As noted, the primary bedroom has a great office overlooking the pool that is stacked above the sunroom. The primary bathroom is extra large with garden tub, separate shower, dual vanities and a water closet. The primary closet is divided into two The primary bedroom is bright and sunny, and as noted, allowing for his and hers with plenty of hanging storage. This closet connects with the upstairs laundry room, and overall, the flow and friendliness of this home is unmatched if you like a big corner lot, and you like and want to enjoy the large, heated, cement pool (not an insert). There are plantation shutters ($$$) on virtually every window on the house and the HVAC is brand new! This is a great property on Johns Island, and I would encourage a viewing if you want turn key, a backyard pavilion, and a big heated pool!
Source: CTAR #24025957
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24025957
Source: Public records
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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.
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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.
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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: #24025957
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