539 Alderly Dr, Moncks Corner, SC 29461
3 beds · 3 baths · sqft
Stunning Modern Home with Premium Upgrades in Foxbank Plantation! This beautifully upgraded, move-in-ready home has it all! From the moment you step inside, you'll be greeted by sleek flooring that spans the entire home--no carpet in sight. The open-concept floor plan is anchored by a modern fireplace, perfect for cozy autumn evenings, and the large windows invite ample natural sunlight. The living space flows effortlessly into the oversized, private, fenced-in backyard. No need to worry about prying eyes; this home backs up to a serene wooded lot, providing a peaceful, private retreat for outdoor entertaining or relaxation on the extended patio or by the custom firepit.The kitchen is a chef's dream, featuring stainless steel appliances, upgraded cabinet hardware, and custom shelving in the spacious walk-in pantry. Upstairs, you'll find all of the bedrooms, including the luxurious master suite. The master bath boasts a walk-in shower, separate soaking tub, stylish black fixtures, upgraded lighting, and chic mirrorsgiving you a spa-like experience at home. Located in the sought-after Foxbank Plantation, a master-planned community with incredible amenities such as a scenic lake, elementary school, fire department, two pools, a pavilion, dog park, kids' parks, fitness center, restaurants, and vibrant community eventsthere's always something to enjoy!
Source: CTAR #24026614
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24026614
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: #24026614
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.