300 Saint Christopher Cir, Pawleys Island, SC 29585
2 beds · - baths · sqft sqft
Find your lovely, affordable home here in the heart of Pawleys Island! This manufactured home is available with land and no HOA. Great for your primary home, second home or for short term or long term rentals, whether nightly, weekly, monthly or yearly as your next investment property. When you step inside, you'll love the open floor plan with a spacious kitchen and living area. The cabinets, Travertine countertops, and modern light fixtures give the kitchen and dining area a fresh look and cozy feeling. You will find two bedrooms with ceiling fans in both, as well as two full baths. The den is carpeted with sliding glass doors that lead to a large wooden deck, a recent addition that wraps around on one side of the home. Upgrades since purchase include a new Trane HVAC system, Stainless steel refridgerator, double sink and faucets and more. Enjoy relaxing, grilling out and dining on your back porch nestled by the trees for privacy and peacefulness. Enjoy the use of the outdoor building with electricity for even more storage. Outdoor wood platform also added with outdoor sink, and upgraded landscaping. Enjoy this lovely home and only a short drive, golf cart or bike ride to the beautiful beaches of Litchfield and Pawleys Island. As one of the only homes in Pawleys Island in such a great price point, the beach life can be yours without stressing you or your budget. Call or text and schedule your showing today!
Source: MYRTLEBEACH #2421503
Interest rate and monthly payment estimated based on public records.
Source: MYRTLEBEACH #2421503
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: #2421503