303 Sand Dune Trl, Summerville, SC 29486
3 beds · 2 baths · 1,760 sqft
Situated on a peaceful cul-de-sac in a premier 55+ gated community, this beautifully designed 3-bedroom, 2-bath home offers a perfect blend of comfort and elegance. A charming full front porch invites you inside, where a wide tiled foyer welcomes you with crown molding and decorative trim, adding a touch of sophistication. The open-concept living space features upgraded LVP flooring in the living and dining areas, with crown molding continuing into the dining room for a polished finish. The well-appointed kitchen boasts maple cabinets, a pantry, and all-white appliances--including a refrigerator that conveys at closing.Designed for both relaxation and entertaining, the home offers a bright and airy sunroom that opens to a covered rear porch, where you can take in serene pond views.The spacious primary suite is a true retreat, featuring a tray ceiling, a walk-in closet, and a luxurious en-suite bath complete with dual sinks, a garden tub, a walk-in shower, a linen closet, and a private water closet. The second bedroom offers ample space for guests, while the third bedroom - without a closet - provides additional flexibility to suit your needs. Additional features include a two-car garage with a garage door opener, plus a washer and dryer that will convey at closing. Nestled within this vibrant 55+ community, this home offers more than just a place to liveit's a gateway to an active and fulfilling lifestyle. Whether you're looking to stay social with over 100 chartered clubs, take a dip in the indoor or outdoor pool, or enjoy a match on the tennis or pickleball courts, there's always something to do. The full-time lifestyle director ensures there's never a dull moment, from planned events to group activities. Plus, with Cane Bay's convenient access to shopping, dining, and everyday essentialslike Publix, Starbucks, medical offices, and even a state-of-the-art YMCAyou'll have everything you need right at your fingertips. And with this home's prime location just a short distance from the community's incredible amenities, you're always just steps away from fun and relaxation! Experience the perfect combination of style, comfort, and convenience in this inviting home and community!
Source: CTAR #25005990
Financials
Source: CTAR #25005990
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.
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