309 Liberty Ridge Dr, Elgin, SC 29045
3 beds · 3 baths · sqft
BACK ON MARKET AT NO FAULT OF SELLER. Step inside this beautiful two-story Craftsman-style home, featuring a charming stone front that adds to its stunning curb appeal. As you enter through the impressive two-story foyer, you'll find an expansive open floor plan with LVP flooring that seamlessly connects the great room to the inviting kitchen. The thoughtfully designed kitchen boasts granite countertops, stainless steel appliances (including a gas stove), and a large island with bar-top seating—perfect for entertaining or casual meals. The great room features a cozy fireplace, making it the heart of the home where memories are made. Just off the garage entry, you’ll find a convenient powder room, coat closet, and a flexible space that can serve as a smart organizational area or home office to keep everything tidy and functional. Venture upstairs, and you’ll love the unique split double staircase. On one side, the primary suite offers a private retreat with a spacious bedroom, a cozy sitting area, and two impressive walk-in closets. The ensuite bath features double vanities with granite countertops, a luxurious separate shower, and a soaking tub—everything you need to unwind after a long day. A pass-through to the laundry room, complete with a built-in folding table, adds a thoughtful touch of convenience. On the opposite side of the home, you’ll find two generously sized secondary bedrooms, a large loft perfect for a playroom, home gym, or an additional office space. This versatile floor plan truly suits any lifestyle! Outside, enjoy the covered porch and fenced backyard—ideal for relaxing or hosting summer barbecues. The community offers a neighborhood pool and quick access to I-20 and I-77. Located just minutes from Ft. Jackson and less than 45 minutes from Shaw Air Force Base, this home provides the best of both convenience and comfort. Plus, you’re less than 20 minutes from downtown Columbia’s vibrant dining, shopping, and entertainment scene! Come see why this is the perfect place to call home—schedule your private tour today!
Source: COLUMBIASC #594159
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #594159
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: #594159
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.