2172 Heaths Ln, Elgin, SC 29045
5 beds · 4 baths · 4,616 sqft
Discover a 5-bedroom masterpiece in the prestigious Woodcreek Crossing community. This all-brick home blends luxury and practicality, featuring a main-level master suite, a spacious three-car garage, and thoughtfully designed living spaces. Step inside to elegant hardwood flooring throughout the main level and upstairs hallway, setting a sophisticated tone. The chef’s kitchen is a culinary dream, equipped with high-end Profile stainless steel appliances, a wall-mounted hood, and a convenient pot filler—perfect for casual meals or entertaining. The first-floor master bedroom offers a peaceful retreat with a sitting area and a luxurious ensuite bathroom featuring modern finishes. Upstairs, four spacious secondary bedrooms, two full baths, and a media room provide versatility for family or guests. The upper hallway overlooks the family room below, enhanced by a dramatic vaulted ceiling and large windows that flood the space with natural light. A bright sunroom offers a serene escape for morning coffee or enjoying the surrounding views. This home is more than a house; it’s a place where memories are made. With stylish upgrades, spacious living areas, and a prime location, it’s a true gem in Woodcreek Crossing. Don’t miss the chance to make it yours. Schedule a visit today and experience its charm, elegance, and unparalleled craftsmanship for yourself—a home that promises joy and comfort for a lifetime. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #602336
Financials
Source: COLUMBIASC #602336
Source: Public records
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 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.
Other resourcesWhat 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 “Get Notified” 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 580, 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.