397 Parkdale Dr, Charleston, SC 29414
3 beds · 3 baths · 1,675 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 397 Parkdale Dr! Every aspect of this amazing 3 bedroom, 2.5 bathroom home has been brought up to speed through full renovation, making it the perfect plug and play option for all looking to call Charleston home! From the street you will notice a beaming fresh coat of paint against all new matt black vinyl windows for an elevated curb appeal. Natural cedar columns provide a warm covered entry. Entering the home, you are met with the same neutral, but high contrast color scheme, as well as modern low-profile accents throughout that give the home that extra pop. A coat closet, remodeled stairwell and laundry room are all within reach at the front of the home. The redesigned half-bath is also located off the foyer hallway. The home boasts over 1650 SF of living space,with kitchen, half bath, living and dining all located on the ground floor. Bookended by a breakfast nook and dining area, the kitchen touts stainless steel appliances, quartz countertops, gold accent hardware and an abundance of soft-close cabinetry. The spacious living room and dry bar are located toward the back of the ground level and offer ample room to gather with family and friends. A newly built back deck and spacious backyard are also at your disposal for larger events! The seller is open to building a privacy-fence for future owners with an acceptable offer. Upstairs to the left you will find a cozy primary bedroom with en-suite bath. Modern fixtures and hardware continue into the space with double vanity, hanging mirrors and overheard lighting. The garden tub-shower and toilet are both located in the water closet. Two guest bedrooms with reach in closets share a large hall-accessed bathroom. An efficient easy-to-use floorplan for all looking to enjoy the space. The single car garage, attic space and attached exterior shed offer storage galore. The property also sits within walking distance of the West Ashley Greenway - an 8 mile walking and biking trail connecting the areas neighborhoods to incredible bars, restaurants, grocery stores, parks and sports facilities! Such an amazing location and such a special property. Do not miss your opportunity to own this amazing home, schedule your time to tour today!
Source: CTAR #25010683
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25010683
To qualify, you must meet the current FHA or VA 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.