1841 Gammon St
Charleston, SC 29414
5 beds · 3 baths · 2,539 sqft
$620,000
Get prequalifiedAbout this home
This beautifully crafted two-story home, featuring charming double front porches, is ideally situated just steps away from the park in the highly desirable Carolina Bay neighborhood. The spacious and thoughtfully designed first floor includes a bedroom and full bath, making it perfect for those who prefer single-level living or hosting guests.As you explore, you'll be drawn to the stunning kitchen, featuring recent upgrades like sleek one-level countertops, white cabinets, a stylish tile backsplash, and modern lighting. A custom bar/coffee station adds a unique touch, with matching cabinetry, butcher block countertop, and a built-in mini fridge - ideal for entertaining or your morning coffee! The kitchen effortlessly flows into the spacious family room, where a cozy gas fireplaceand an abundance of natural light create a warm and inviting atmosphere. Heading upstairs (with no carpet in sight!), you'll find three bedrooms along with the primary suite. The primary bedroom offers access to the upper porch and features a spacious ensuite with a garden tub and separate shower. Step outside, enjoy a fully fenced yard, a screened porch, and a large patio with a pergola perfect for entertaining or relaxing. The detached two-car garage provides ample storage, with extra concrete parking for added convenience. Carolina Bay offers fantastic amenities, including three pools, multiple playgrounds, a dog park, and weekly Food Truck Fridays in the park, along with numerous community events throughout the year. This home offers the perfect blend of style, comfort, and location!
Source: CTAR #25007227
5-year savings
Neighborhood
FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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