1874 Rifle Range Rd, Mount Pleasant, SC 29464
4 beds · 4 baths · 2,872 sqft
Welcome home to elegance and functionality! This stunning property is your ticket to living life uncensored (and HOA-free). As you enter into the foyer you'll be greeted by a view of open concept living!Natural light floods the space thanks to large windows that provide beautiful views of your private backyard oasis--perfect for those ''I'll just go to my happy place'' moments.Step into your chef's dream kitchen! Featuring a commercial-grade gas range that'll make Gordon Ramsay swoon, custom cabinetry that rivals Pinterest boards, a built-in double oven for when you're feeling extra, granite countertops and a large island.Combined with spacious dining room currently being used as a billiards room and cocktail lounge...this space is perfect for entertaining all your family and friends!Now, let's talk living area! With soaring Crawford ceilings, a cozy stone surround gas fireplace, and recessed lighting that gives your home a glow usually reserved for Instagram filters, you'll want to curl up and stay awhile. Retreat to the master suite where light and tranquility reign! Enjoy tray ceilings and the luxury of not one, but two walk-in closets because who doesn't need room for that impulse shoe purchase? The master bath is a spa-like sanctuary, boasting a soaking tub for those well-deserved bubble baths, a shower with dual shower heads for those "who's got time for just one?" moments, and custom cabinetry to keep everything organized. Need more? How about two more spacious bedrooms, one and a half bath, a well sized laundry and mudroom with an abundance of closets and extra storage all on the main level! Let's not forget the huge bonus room above the garage with its own full bath. Whether you want to make it an ADU, an epic game room, or the office of your wildest dreams, the choice is yours! Step outside to your generous-sized backyard - an entertainer's paradise! Featuring a pavilion-like covering becomes the envy of summer BBQs, a large patio for lounging, a fenced-in yard, and low-maintenance turf - say goodbye to mowing; hello to relaxing! Perfect for a potential pool or just soaking up the sun while sipping your favorite beverage. And for the car enthusiasts, the 3-car garage is your personal playground! With a circle driveway and parking pad ready to accommodate boats, campers, and trailers, your adventures are all but guaranteed! Wrapped in hardy plank and stone with eye-catching stone-wrapped columns, double wood front doors, and solar panelsthis home this craftsman style home has wow-factor written all over it! Your new home isn't just a place to live; it's a lifestyle waiting to happen. Don't miss outschedule your private showing today!
Source: CTAR #25007509
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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
Source: CTAR #25007509
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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.
How do I qualify for an assumable mortgage?
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.