57 Carlisle Ln, Camden, SC 29020
5 beds · 3 baths · 2,284 sqft
Located just minutes from I-20 and a short 35-minute drive to Fort Jackson, this well maintained 5-bedroom, 3-bathroom home offers the ideal blend of comfort, convenience and value in low- tax Kershaw County- all within a top- rated school district. Nestled in a quiet cul-de-sac, this 2,284 sq. ft. Green Smart home is designed to save you money with energy-efficient features like Radiant Barrier Sheathing, R50 attic insulation to lower your electric bills and advanced framing techniques. Inside, you'll find a well-thought-out floor plan with four spacious bedrooms upstairs, including a luxurious primary suite complete with tray ceilings, a ceiling fan, French doors, a spa-like en-suite with a garden tub, separate shower, double vanity, his-and-her walk-in closets, and a private water closet. A cozy upstairs loft area makes for a great sitting or entertainment space, and the convenient upstairs laundry closet makes daily chores a breeze. On the main level, a versatile fifth bedroom is ideal for guests or a home office, conveniently located next to a full bathroom. The expansive eat-in kitchen is a chef’s delight, featuring granite countertops, a spacious island, luxury vinyl plank floors, modern recessed lighting, a pantry, and stylish stained cabinets—plus, all kitchen appliances are included! The open-concept layout flows into a formal dining room and an oversized living room along with a fireplace, which opens to a huge, unfenced backyard—perfect for relaxing or entertaining. With a spacious two-car garage, plenty of storage, and easy access to: shopping, dining, a local horse racecourse, country club, and entertainment; this home offers everything you could ask for! Schedule a showing today and make this home yours! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #599046
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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
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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: COLUMBIASC #599046
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.