2156 Cheswick Ln, Mount Pleasant, SC 29466
4 beds · 4 baths · 3,384 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled along the scenic banks of the Wando River in the desirable Rivertowne on the Wando community, this home underwent an extensive renovation in 2021 to fully embrace the stunning river views and celebrate the best of Lowcountry outdoor living and boating.From the moment you enter, the river becomes the focal point - visible from the foyer and continuing throughout all the main living areas, offering a front-row seat to the beauty of the natural surroundings. Inside, warm oak hardwood floors, refined trim work, a marble fireplace flanked by custom built-ins, and a soothing neutral palette create a classic interior setting.Directly off the foyer, a charming room with glass French doors offers flexibility as a home office or formal dining room. Beyond that lies the heart of the home, a beautifully reimagined, professionally designed kitchen by Delicious Kitchens, where every detail has been carefully curated. This elegant space features luxurious Calcutta Quartzite countertops, top-of-the-line KitchenAid appliances including dual ovens, a custom-designed CopperSmith range hood, polished nickel lighting and hardware, and an eye-catching tile backsplash that ties it all together. From the kitchen, living and dining areas, the river views are on full display through stacking sliders which open across the width of the home, providing easy access to the Ipe back deck and screened-in gazebo with metal roofing - perfect for effortless indoor-outdoor living. The serene primary suite, located on the main floor, offers sweeping river views and features custom built-in cabinetry, a spa-inspired bathroom with a luxurious walk-in shower, and expertly designed closets by Closets by Design. Within the second floor you'll find three additional bedrooms - one with a private ensuite and two that share a well-appointed bath along with a versatile common area ideal for a den, playroom, or home office. Two of the bedrooms and the central living space continue to showcase the breathtaking views of the Wando River and its stunning sunsets. Completing this exceptional property is a deeded boat slip just steps from the backyard, equipped with a brand-new 16,000 lb lift with approximately six feet at MLLW. The dock and pier are shared with only eight neighboring homeowners, offering both convenience and reduced ownership costs for this highly desirable waterfront amenity. Step outside onto the expansive decks and you'll be greeted by thoughtfully designed landscaping and vibrant seasonal blooms, all professionally installed by Brownswood Nursery. A dedicated pollinator garden attracts butterflies, hummingbirds, and bluebirds, creating a picturesque and lively outdoor retreat. The lush, manicured lawn is maintained with an automated irrigation and lighting system, ensuring year-round beauty with minimal effort. The oversized two-door garage offers ample space for a large vehicle, recreational equipment, as well as generous floor and overhead storage to meet all your organizational needs. Just steps from the backyard, a spacious common area with a charming gazebo invites casual gatherings, ball games, dog walks, and family fun. A short four-minute stroll takes you to the community's pool, tennis courts, and pickleball courts - perfect for staying active and social. For even more recreation and convenience, several top-rated golf courses, shopping centers, fitness options, and a hospital are all just a short drive away, placing everyday essentials and leisure activities within easy reach.
Source: CTAR #25004908
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 #25004908
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.