1907 Mossdale Dr, Johns Island, SC 29455
4 beds · 4 baths · 2,713 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Southern elegance abounds at this beautifully designed Charleston Single home in the sought-after Oakfield community on Johns Island. This residence offers wonderful curb appeal, welcoming you with a nicely landscaped front yard, charming copper gas lantern, and double porches.As you enter the foyer, you will notice beautiful wood flooring, tall ceilings and neutral paint colors. Directly ahead is the spacious dining room, featuring a trey ceiling, bay window, and a trio of windows which create a wonderful, light-filled space. The expansive open-concept kitchen and living area is the heart of the home. The well appointed kitchen with sleek cabinetry and stainless steel appliances (and gas cooktop) boasts an oversized quartz island, making it ideal for social gatherings.Ample natural light enhances the airy feel of the space, while the adjacent living room offers a cozy retreat with access to a private screened porch and fenced backyard. The conveniently located primary suite on the first floor offers a peaceful, private retreat and ensuite features a double vanity, granite countertop, floor-to-ceiling tiled shower, and a spacious walk-in closet. Upstairs reveals a versatile bonus roomperfect as a game room or extra living spacealongside three additional bedrooms, two full baths and laundry room. Not to be missed, the upstairs porch provides a serene spot to relax with a hanging daybed, perfect for enjoying tranquil views of your picturesque neighborhood. Additional highlights of this wonderful home include durable Hardie plank siding, tankless water heater, and gutter system. Community amenities include walking/jogging trails, swimming pool, parks, a putting green, community pavilion and picnic areas. For those who appreciate nature and community, Oakfield is a gem of a location, offering close proximity to serene beaches, bustling shops, and delightful eateries. Reside in a home that combines the grace of coastal living with the vibrancy of community life, where every detail elevates your everyday.
Source: CTAR #25010453
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 #25010453
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 and Equal Opportunity Act.