728 Jack Russell Ct, Elgin, SC 29045
3 beds · 3 baths · sqft sqft
Beautiful New Carpet and Fresh Paint! MOVE IN READY and WARRANTY! Enjoy Sunset views from the balcony in this Super Cute - Energy Efficient home close to shopping, Fort Jackson and the highway is everything you need. Amenities include pool/clubhouse/playground community! Buy this whole home at a townhouse price in highly desired Elgin/Richland County-Columbia Northeast. This absolutely adorable Charleston inspired home has 3 bedrooms and 2.5 baths, a spacious primary suite with walk in closet and a large fenced in yard. Enjoy the benefit of a relaxing walk-out balcony off of the primary bath to sip coffee/wine and a bit of reading/taking in the evening fresh air before getting ready for the day or for bed. A garden tub offers even more enjoyment and relaxation. The kitchen has a breakfast nook, granite counters and stainless steel appliances. Outdoor enjoyment is also easy with this homes spacious fenced in yard and poured slab patio with a dedicated barbecue space. Located conveniently to I-20. Two-Notch/Main St, Military Bases and shopping galore. Sand Hills Mall is 5 minutes away and every store you need is along Two Notch Rd. Experience the tranquility of an amenities-included community that seems tucked away but has access to all quickly and easily. Home is easy to maintain yet spacious enough to enjoy. Tankless water heater, smart security equipment and smart thermometer helps adds to peace of mind and affordability. Comes with a one year home warranty for further ease of mind.
Source: COLUMBIASC #593495
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #593495
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: #593495