5138 Preserve Blvd, Ladson, SC 29456
4 beds · 3 baths · 2,714 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to this beautifully designed two-story home in the highly desirable Coosaw Preserve community, where comfort meets convenience in the heart of the Dorchester II School District. From the moment you arrive, the charming stone and siding exterior and inviting front porch set the tone for what's inside. Step through the front door to find a versatile study with French doors and a formal dining room featuring elegant crown molding, chair rail, and wainscoting--perfect for entertaining or working from home. The open-concept great room flows seamlessly into the breakfast area and well-appointed kitchen, complete with granite countertops, subway tile backsplash, stainless steel gas range, large island, and an impressive pantry that offers exceptional storage space.Just off the kitchen, a screened porch provides the perfect spot to enjoy your morning coffee while overlooking a peaceful pond and protected wetlandsyour own private retreat just steps from the kitchen. Upstairs, an open loft creates additional living space, while three spacious secondary bedrooms and a full bath offer comfort for family and guests. The primary suite is a true sanctuary, featuring a generous bedroom, massive walk-in closet, and a spa-like bath with dual sinks, a garden tub, and separate shower. Thoughtful upgrades include laminate wood flooring throughout the first floor, a radiant barrier and tankless water heater for energy efficiency, ceiling fan prewires throughout, and a garage door opener. The backyard is ready for summer cookouts with a built-in outdoor gas grill. Living in Coosaw Preserve means you'll have access to a resort-style amenity center with a large pool, clubhouse, playground, and picnic pavilion, all while being minutes from shopping, dining, I-26, Joint Base Charleston, Bosch, Boeing, and everything the Charleston area has to offer. If you're looking for a move-in ready home in a prime location, this one has it all.
Source: CTAR #25009850
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 #25009850
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 of Equal Opportunity Act.