321 Nichols Branch Ln, Irmo, SC 29063
4 beds · 3 baths · sqft sqft
Located in the charming town of Irmo, South Carolina, where you will enjoy tranquil living, with all the conveniences of modern amenities; this meticulously maintained home offers an impeccable blend of elegance and comfort. Presenting a stately façade, the property combines classic brick with contemporary siding—crowned with traditional shuttered windows and a welcoming front porch that invites you into a world of modern luxury. Upon entering, the formal living and dining rooms set a tone of sophistication with plush carpeting, featuring ample space for entertaining and hosting memorable occasions. The living space is defined by high ceilings and large windows, radiating natural light, and creating an ambiance of warmth and openness. The eat-in kitchen is designed with the home chef in mind, boasting generous counter space complemented by tasteful countertops and crisp white cabinetry. The modern appliances blend seamlessly, promising both functionality and style. This culinary haven overlooks a capacious backyard, visible through glass sliding doors, perfect for alfresco dining or simply enjoying the serene outdoors. One of the crowning jewels of this residence is the massive primary suite— a true sanctuary that promises peace and relaxation. It comprises not one, but two walk-in closets, providing an abundance of storage space. The private bathroom is equally impressive, providing a haven for rejuvenation. Beyond the personal retreats, the home is designed with practicality in mind—the laundry connections discreetly positioned to ensure convenience without intrusion on the tranquility of the home’s aesthetic. As you explore outside, the large backyard is a verdant canvas awaiting your personal touch—ideal for creating a garden oasis or setting up outdoor activities. Its size and the canvas provide endless possibilities for those who value their outdoor space on par with the interior. Attention to detail is evident in every nook of this house, from the neatly landscaped front yard to the architectural nuances that give this property its distinctive character. It’s a home that provides an escape from the everyday and into a realm of comfort and opulence.
Source: COLUMBIASC #592751
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #592751
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #592751
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.