VA loan
1 of 90
VA loan
$1,599,000

2320 Bucktail Ct, Mount Pleasant, SC 29466

4 beds · 4 baths · sqft sqft

Don't wait on new construction! This like new Carter model home with water views is ready for you.Searching for a stunning home, 3 car garage, community water access and water views? This one is even framed for an elevator. Add this beautiful home to your list and enjoy Wando River views from all four porches.Located just 20 minutes from the beach, this home rests on a quiet cul-de-sac in one of the most coveted communities of Mt. Pleasant, Dunes West. Offering the perfect blend of comfort and luxury, boasting endless natural light, this 4 bedroom, 4 bath home features marsh, tidal creek, and long-range Wando River views from nearly every window within.The drive under garage grants ample space for 3 vehicles, storage, and even a workshop. The garage recently had an electric vehicle charger added as well. For future needs, an elevator shaft entrance is also located in the garage and carries up through both stories of the home. The freshly painted stairs with wired path lights carry you to the front porch. Gas lanterns welcome you as you are greeted by this beautiful outdoor space. Here you can enjoy views of the evening sunset. Inside, the first level hosts an open space which can be used as a formal dining room, additional sitting area, or an open office. The first level also has a guest bedroom and full bath. The main living area is absolutely the heart of this home. Here, you can have family and friends gather in the living room, dining area, and kitchen and entertain with ease given the spacious layout. The full back porch with partial screened area allows you to extend your living space outside. Here, views of the Wando River set the perfect backdrop for relaxing evenings and all of your get-togethers. The gourmet kitchen is a chef's dream with the pot filler, prep space, and immense amount of cabinet storage- the front of the kitchen island offers great hidden storage for your heavier cookware items. An added bonus in the first floor is the drop zone from the garage as well as the spacious finished elevator shaft adjacent to the stairs. The wood floors continue through the shafts on the first and second floor and until an elevator is needed, they make for a clever and spacious storage addition on each floor. Upstairs offers a loft with access to the front upper level porch, the 2 additional guest bedrooms and baths, and the spacious laundry room which is already plumbed for a utility sink. Upstairs is also home to the incredible owners suite. A retreat that you will never want to leave. Upon entering, you have immediate views of meandering streams of the river. Natural light floods this room as the bedroom offers 3 different access points to the private owners porch. Stepping outside, the porch offers ample space for swings, a patio table, or hammocks. The owners bathroom is like a spa with its oversized Roman shower, overhead rain showerhead, and beautiful frameless glass shower wall. The theme of outdoor views continues into the bathroom with its large picture window overlooking the streams as well. The owners closet is also something to see- an incredibly large closet with custom shelving for all your clothing and linen items. Dunes West also offers incredible amenities. Residents here have the option to join membership clubs and enjoy complete with hiking trails, boat launch and storage, athletic facilities, swimming, tennis, and an award-winning golf course to name a few! This home and community are the epitome of southern living. Homes in this area don't last long so we encourage you to book your showing soon!

Interest rate 3
2.75%
With Roam
7%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$2,871
With Roam
$4,441
Reduce your monthly payments by $1,570 when you assume this mortgage.
You also save $485,343 in total interest paid.

$963,756
Edit

You may be able to put down less than the total down payment amount of $963,756 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Lot size
0.19 acres
Year built
2018
Type
Single Family Residence

Source: CTAR #24015181

Loan
Remaining term
25 years, 9 months
Rate
2.75%
Monthly P&I
$2,871
Remaining loan balance
$635,243

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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?

expand content

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.

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Last updated: Nov 21, 2024 12:02 pm
Listing agent: Crystal Brodie (843) 513-5256
Listing provided courtesy of: Carolina Elite Real Estate (843) 212-8839
Details provided by CTAR and may not match the public record.
MLS ID: #24015181
The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program of the Charleston Trident Association of REALTORS®/Charleston Trident Multiple Listing Service. Those properties marked with the Broker Reciprocity logo are provided courtesy of the Charleston Trident MLS Broker Reciprocity Database. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Any use of search facilities of data on the site, other than by a consumer looking to purchase real estate, is prohibited. Information deemed reliable but not guaranteed. Copyright © 2024 Charleston Trident Association of REALTORS®. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$2,871/mo
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