159 Lucky Day Dr, Summerville, SC 29486
4 beds · 3 baths · 2,576 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to custom! This exquisite, full of luxurious character beauty is that something extra you've been waiting to catch your eye. As you approach, you'll appreciate the low maintenance landscaping, metal roof accent, and the charming front porch that enhances curb appeal that is calling your name. Nestled on a generously sized lot that backs up to a serene green space, this property offers privacy; a rare find in a highly competitive neighborhood. Step inside to discover meticulously maintained interiors featuring natural-toned laminate flooring and neutral colors that create a warm and inviting atmosphere. Starting in the foyer you'll notice the custom finishes from the accent walls, wainscoting, unique light fixtures, wallpaper, and unique finishes give this home the 'it' factor.At the entry you will find a flex space complete with a beautiful chandelier and earthy tones perfect for a formal dining area, office or play room. The heart of the home unfolds in an expansive main living abundant natural light pouring through large windows. A distinctive fireplace serves as a the focal point. The spacious layout flows seamlessly into the dining area and well-appointed kitchen, perfect for entertaining friends and family. The chef's kitchen will impress and grabs your attention with the custom green cabinets with complimentary gold hardware. Stainless steel appliances, including a gas range, harmonize with the gleaming granite countertops and chic ceramic tile backsplash. A generous island provides additional prep space, while highlighted by a beautiful light fixture. Completing the kitchen by a delightful window above the sink, framing views of your private backyard. Convenience is key with ample storage closets and a thoughtfully designed powder room that certainly provides a wow factor with it's thoughtful design on the main level. As you venture upstairs, you'll be greeted by a huge loft space, with fully custom built in high-quality shelving. Custom lighting, and built in ceiling speakers are thoughtfully added features you'll appreciate. This space is perfectly suited for a secondary living area, game room, or media center. The luxurious owner suite is a true retreat, showcasing a giant walk-in closet and an immaculate en suite bathroom complete with an oversized shower and double vanity featuring cultured marble countertops, and luxurious gold faucets and hardware. Three additional well-sized bedrooms, each with their own closets, share a large secondary bathroom equipped with an extended vanity and plenty of space. For added convenience, the upstairs laundry room and extra storage ensure that everything has its place. The backyard is a lightly designed blank canvas, ready for you to transform it into your personal oasis. With a large level fenced lot that backs up to a green space. Featuring a fire pit area, covered porch, and a concrete patio and hot tub the possibilities are endless! Cane Bay is a highly desired community that is close to highways, shopping, recreation and so much more. Lindera Preserve is ideally located within the community and amenities include two pools, parks, walking trails, and so much more. Don't miss your chance to experience life in this exceptional home, designed like a model home, where modern elegance meets practical livingall in the heart of a thriving community! Schedule your showing today!
Source: CTAR #25008959
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25008959
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 and Equal Opportunity Act.