4157 Charleston Oaks Dr, Loris, SC 29569
4 beds · 3 baths · 2,623 sqft
Get a free consultation call with an expert in the mortgage assumption process.
OPEN HOUSE Saturday 04/05/2025 12-2pm. This home has an assumable VA Loan with a 2.5% interest rate. Don't miss out on your custom home in the serene Woodland Valley community of Loris, SC. This beautiful 4-bedroom, 3-bathroom golf course home is located directly on the Diamondback Course. It blends modern upgrades with cozy charm, creating the perfect living environment for you and your family. The front door opens to a quaint foyer area. The formal dining area is accented with elegant columns, while the living room boasts a vaulted ceiling, flooring, and a ceiling fan. Enjoy meals in the dining area, which also offers access to a screened porch; ideal for relaxing and taking in the peaceful nature surroundings. The kitchen is a chef’s dream, featuring granite countertops, upgraded stainless steel Samsung appliances, a tile backsplash, and an oversized double-door pantry. The adjacent laundry room includes a washer, dryer, and storage cabinets for your convenience. The spacious master bedroom located on the first floor, features a tray ceiling with a ceiling fan and new laminate flooring. The ensuite bathroom is a sanctuary with double sinks, a tiled floor, a carpeted closet, a linen closet, a toilet closet, and a standing shower with a tile surround and built-in seat. Guest bedrooms are equally inviting, offering laminate flooring, ceiling fans, and ample closet space. The guest bathroom includes a stylish sink vanity, a tub-shower combo, and a toilet. An additional room upstairs over the garage provides a perfect guest suite or secondary master suite, complete with a ceiling fan, carpet, a closet, and a separate thermostat. Its ensuite bathroom features a standing shower, laminate flooring, a sink, and a toilet. Outside, the large painted concrete patio is perfect for grilling and watching golfers on hole #10 at the Diamondback Golf Course. The property’s outdoor features are equally impressive with an irrigation system, 35 rose bushes, rock accents, palm and palmetto trees, gutters, and new sod in the front yard, all clearly marked by property lines. Additional features include a detailed floor plan, a wired alarm system with window and door sensors, and new lighting fixtures throughout the home. Diamondback Golf Club at Woodland Valley is American owned and operated! Offering flexible and affordable golf memberships with a good golf facility, consistently good conditions and great southern hospitality. They allow owner golf carts on the course making it super convenient and the perfect blend of relaxation and recreation. Conveniently located just minutes from the city of Loris, home to the world famous Loris Bog-Off Festival and about 25 minutes inland to the beach. Don't miss out on this rare find. You won’t forget the charming southern hospitality and friendly neighbors! This home is located in the well known Loris school district for elementary, middle and high school. Don't miss out on this incredible opportunity to own a stunning golf course home in Woodland Valley. Contact us today to schedule a viewing!
Source: MYRTLEBEACH #2425141
All values shown are estimated costs / mo.
Source: Public records
Source: MYRTLEBEACH #2425141
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.