169 Carshalton Dr, Lyman, SC 29365
4 beds · 3 baths · sqft
Get a free consultation call with an expert in the mortgage assumption process.
This stunning custom-built 4-bedroom, 3-bathroom home is perfectly situated on over half an acre with views of Lyman Lake just across the street. With a side-entry garage and a striking cement board and stone exterior, this home exudes curb appeal and charm. Step inside to discover an open floor plan with hand-scraped bamboo flooring throughout most of the main level. The heart of the home is the gourmet kitchen, boasting a large center island, quartz countertops, a subway tile backsplash, under-cabinet lighting, stainless steel appliances, a pantry, and a cozy breakfast area. The adjoining family room invites you to unwind by the gas log fireplace, complete with a stunning stone surround and raised hearth. The primary suite is a true retreat, featuring a double-tray ceiling with elegant rope lighting, a spacious walk-in closet, and a luxurious en-suite bathroom. Pamper yourself with double sinks, quartz countertops, a jetted garden tub with a tile surround, and a large tiled shower equipped with body sprays and a bench. Additional highlights include a formal dining room with a double-tray ceiling and rope lighting, extensive moldings and trim throughout, and a well-appointed laundry room with a sink, cabinets, and a closet. The split bedroom floor plan ensures privacy, with the 4th bedroom and its en-suite bathroom tucked away upstairs, ideal for guests or a private office. Outdoor living spaces abound with a screened porch overlooking the fenced backyard, a spacious patio for entertaining, and a charming front porch perfect for relaxing while taking in serene lake views. Neighborhood amenities includes a Pavilion, Playground, Dock, and common areas. Don't miss the chance to make this exceptional property your forever home—schedule your private tour today!
Source: GREENVILLESC #1543659
All values shown are estimated costs / mo.
Source: Public records
Source: GREENVILLESC #1543659
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.