185 Old Fort Dr, Ladson, SC 29456
4 beds · 3 baths · 2,637 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled on nearly an acre in Ladson, this sprawling home offers a harmonious blend of space, charm, and convenience--all without the constraints of an HOA. From the moment you arrive, the large front yard, enhanced by mature trees and framed by lush landscaping, welcomes you to explore all this property has to offer.A long driveway leads to the inviting front porch, where inside you'll discover a thoughtfully designed layout. To the left of the entry, a spacious dining area with bay windows overlooks the front yard, creating the perfect backdrop for gatherings. The kitchen, situated just steps away, is both functional and accessible, making mealtime a breeze. The sunken family room is the heart of the home, featuring soaring vaulted ceilings, a dry bar,and a striking brick fireplace that commands attention. This warm and inviting space is ideal for making memories. Retreat to the serene primary bedroom, complete with vaulted ceilings and an en suite bath that includes two separate vanities and a step-in shower. Two additional bedrooms, a full bathroom, a powder room, and a convenient laundry room round out the main level. Upstairs, a versatile FROG/bonus space awaits, ready to be transformed into an office, playroom, or media retreat. Step outside to a large patio overlooking the expansive backyard, where towering trees provide shade and serenity. Whether you're hosting a barbecue or simply unwinding, this outdoor space is a true sanctuary. A handy storage shed completes the package. Conveniently located in the DD2 school district, this home is just 5.3 miles from I-26, 7.3 miles from historic downtown Summerville, 9.7 miles from Nexton Square, and 10.8 miles from Charleston International Airport, this home is perfectly positioned for both work and play. Don't miss the opportunity to make it your ownschedule a visit today!
Source: CTAR #24029680
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 #24029680
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.