6406 Cloverdale Dr, Columbia, SC 29209
4 beds · 3 baths · sqft sqft
Southern Charm w/ room to grow in this ALL Brick 2,400 sq. ft. colonial w/ 4 bedrooms & 2.5 baths. Situated on a quiet street in established "Yorkshire", you'll love the grand front porch & columns to greet you. Spacious entry leads to formal living & dining on the right, with a roomy den on the left. To the rear is the very spacious "Eat In" kitchen w/ NEW soft close cabinetry, granite counters, tile backsplash and a big bright bay window that overlooks the rear patio and fenced rear yard. Just off the kitchen is the laundry room, door to the rear, as well as door to the large 2 car garage with an additional storage room. There is a conveniently located 1/2 bath on the main & all the flooring is 2-year young LVP. Upstairs you will find hardwood flooring throughout all 4 bedrooms. The primary bedroom has its own large bath w/ split double vanities & a walk in closet. The second full bath connects to one of the other bedrooms directly, as well as the hall. Each of the other 3 beds has a ceiling fan and spacious closet. The location is superb, just minutes to 378 and I-77, as well as all the shopping & dining one could desire. 10 minutes to USC & 5 Points, and 15 to downtown & the Vista. Great school district and just an all around great neighborhood w/ no HOA. Some important features of note... HVAC was installed in 2022. Seller had most plumbing replaced in 2022 & new water heater 2024. Closing cost assistance available. Come check out this property and consider making your home in Yorkshire. Contact your agent or feel free to call the list agent to schedule your showing today!
Source: COLUMBIASC #587699
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #587699
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #587699