4606 Holmes Ave, North Charleston, SC 29405
4 beds · 2 baths · sqft sqft
Don't miss out on this move-in-ready gem in the heart of Park Circle! This immaculate 4-bedroom, 2-bathroom home strikes a perfect balance of comfort and convenience. As you step inside, natural light illuminates the open, functional layout with NEW FLOORING throughout. The custom-designed eat-in kitchen features granite countertops, stainless steel appliances, and plenty of storage space. The primary bedroom is located at the front of the home and features a walk-in closet and an ensuite bathroom with dual vanities, tiled flooring, and a custom tiled shower. Three additional bedrooms, another full bathroom, and a conveniently located laundry room complete this inviting home. Outside, step onto the newly constructed deck to enjoytranquil views of the fenced-in backyard. The property has been freshly landscaped, enhancing curb appeal and providing a perfect setting for your ideal outdoor space. Ample parking includes a driveway and parking pad, easily accommodating renters, boats, or trailers. With no HOA, the potential for an ADU or short-term rentals awaits! Located within walking distance are community amenities such as a pool at the Mixon Club, Mixon shops, Park Circle bars & restaurants, parks, and the World's Largest Inclusive Playground spanning 55,000 square feet. Act quickly - schedule your showing today and seize the opportunity to make this beautifully appointed home yours!
Source: CTAR #24028726
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24028726
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: #24028726
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.