2451 Louisville St, Daniel Island, SC 29492
6 beds · 5 baths · sqft sqft
Daniel Island living awaits you in this 6 bed/5 bath immaculate home that is freshly painted and available for a new family to make memories in a bright and open living plan. Outside - porches will let you enjoy breezes from the Wando river a few blocks away - either swinging on a day bed listening to nature; or basking in the glow of the front porch gas lanterns sipping a beverage and winding down your day.. A lower patio with built in fire pit, natural gas Weber grill, and ample play and gardening spaces for those wanting to test their outdoor skills rounds out this family destination in the sought after Smythe Park section of Daniel Island..Inside the home are the comforts that make low country living desired.Chefs kitchen with double oven and gas range, bar/butler pantry, an over sized island for entertaining, gas fireplace for a cool evening warm up, dining room, gleaming floors, all in an amazing layout to allow a family to come together and then enjoy their own study or social space as the evening progresses. The main floor master is an over sized oasis with seating area, and primary bath with rain shower for a rainy night in with someone special. Or slip out to the screened porch from the primary bedroom to enjoy a quiet time to reflect on your day. The main floor features another guest room with connected full bath that would make a wonderful home office, nursery, or craft space. The upper level offers another large living space for a kid's oasis, in-law retreat, or gathering space for your small group or team meeting. Three additional bedrooms- one with on-suite bath, and two with a shared 'jack and jill' bath, will provide many options for a growing family or in-law oasis. All rooms and hallway offer large closets for all keepsake needs or storage wants. Sidewalks out front make an evening stroll a joy, and alley access to your two car garage and fenced yard is a wonderful offering here and throughout the island. Over this two car garage is a one room apartment that would make an excellent room for anyone wanting to spread their wings in their own space, a home office space for meetings and work, or use as a long term rental (allowed) as an income producing option. Many houses are available on Daniel Island. Peruse the pictures, then come find your home at 2451 Louisville. This is island living at its finest
Source: CTAR #24020732
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24020732
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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 “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.
MLS ID: #24020732
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