276 S Railroad Ave, Harleyville, SC 29448
4 beds · 4 baths · sqft
Have you ever wanted to live in the country? Do you want to have your own garden, so you can grow your own food. Have you ever wanted to have your own animals so know exactly what they are eating? Do you want to be self sufficient? If you have this is the perfect home for you! This incredible home sits on 8.93 acres of pure bliss, this property boasts all the essentials and more for a lifetime of comfort and joy. Step outside and discover your own slice of paradise, complete with a garden spot, tranquil pond, chicken house, and an abundance of mature fruit-bearing trees including fig, blueberries, pecan, mulberry, and a small variety of grapes. The possibilities for outdoor enjoyment are endless. Don't forget about the 2-story barn and tool shed which has electricity. Inside, you'll findupdated amenities including Custom Cabinets, Granite Countertops, Luxury Vinyl Plank Flooring. The downstairs den has a cozy gas fireplace with on/off remote and separate laundry room with addition pantry space. With 4 bedrooms, 3.5 bathrooms, and approximately 2522 square feet of living space, there's ample room for your family. The property also features a convenient mother-in-law suite with a separate entrance, providing privacy and flexibility for guests or extended family. The space includes a bedroom, living room with a sliding glass doors opening to the patio, and a well-appointed private bathroom with an incredible step in tub! The Metal roof was replaced in 2020. Paid off Solar Panels, 2 Separate Septic Systems with new pumps and drain fields, New Well Pump, Whole house has a water filtration system and softener, 2 Separate HVAC Systems, new PEX pipes, Encapsulated Crawlspace has a dehumidifier, the attic has new Spray Foam Insulation, Double pane tilt in windows throughout.
Source: CTAR #24029272
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24029272
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: #24029272
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.