186 Liberty Ridge Dr, Elgin, SC 29045
4 beds · 3 baths · 2,467 sqft
Get a free consultation call with an expert in the mortgage assumption process.
***Price Adjustment *** Welcome to this beautifully craftsman designed home that combines style, comfort, and convenience! The main floor features sleek LVP flooring and a spacious, open-concept layout. The kitchen shines with a large center island with pendant lighting, a convenient butler’s pantry, a walk-in pantry, and a dining room perfect for hosting memorable meals. Flowing seamlessly into the great room, this setup is ideal for entertaining without missing a moment. A private office with French doors adds a touch of sophistication. The covered front porch offers a cozy spot to sit, relax, and enjoy the breeze, while the covered back patio and fully fenced backyard provide the perfect space for outdoor privacy and comfort. Upstairs, you’ll find all the bedrooms, including a luxurious master suite with boxed ceilings, a spa-inspired bathroom featuring a double vanity, garden tub, walk-in shower, and a generously sized walk-in closet. The second floor also includes a laundry room, three additional bedrooms, a double-vanity full bath, and a versatile bonus room—ideal as a 5th bedroom or extra entertainment space. A professional inspection report has been completed for this move in ready home and will be available upon request. This home is conveniently located near I-20, providing easy access to Fort Jackson. The popular Sandhills shopping area is just 10 minutes away, and the home is directly across from the community pool, offering even more convenience and enjoyment. This home is sure to WOW! Schedule your tour today! May qualify for special financing with $0 down payment, no PMI with the Dream Mortgage program. Ask agent for details. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #600490
Source: COLUMBIASC #600490
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.