7629 Vanderbrook Pl, North Charleston, SC 29420
3 beds · 3 baths · 1,676 sqft
Welcome to one of the most spacious and updated three-bedroom, three-bathroom ranch homes in the charming Pepperhill subdivision! This is a RARE opportunity to own a FULLY RENOVATED home, just minutes from I-26 and the Air Force Base, with NO HOA or flood insurance required.Plus, the fully paid solar panels will save you a ton of money!As you drive up, you'll be greeted by the striking painted brick exterior and welcoming front door, which give the home amazing curb appeal. Plus, the fully paid solar panels will save you a ton of money! This sprawling property is sure to impress, from the lush landscaping to the expansive floor plan. It's not every day you find a home like this all on one level, with this many bedrooms and bathroomsperfect for families! Inside, you'll be treated to a modern layout with a cozy living room that's perfect for relaxing or entertaining. The home boasts gorgeous LVP floors, fresh interior doors, and updated lighting throughout. Step into the entryway and you'll immediately be drawn into the open space featuring a fully updated kitchen with high-end finishes like deluxe cabinetry, stainless steel appliances, and stunning quartz countertops. Here's a fun twist: one of the bedrooms has independent access and could be rented separately, offering you a potential stream of passive income! It even has its own attached full bathroomideal for a mother-in-law suite or guest retreat. Other upgrades include a new tankless water heater, and all-new plumbing and electrical. The bathrooms are absolutely gorgeous, with newly tiled tubs, ceiling-high showers, upgraded vanities with natural stone surfaces, and trendy back-lit mirrors. This home also features newer windows, fresh interior paint, smooth ceilings, and beautiful landscaping. Energy-efficient exterior doors and windows, a new HVAC compressor (replaced in February 2025), replaced ductwork, and a recently updated roof round out this stellar package. Located on nearly a quarter-acre lot, this home is just a short walk to the park, 2 miles from I-26, and 3 miles from Dorchester Road. The master bedroom is spacious and serene, with its own private full bath that's sure to delight. Plus, there are two more bedrooms and two additional full bathrooms, all boasting luxurious walk-in showers and modern, stylish fixtures. What really makes this ranch home stand out is its unbeatable locationconveniently close to shops, restaurants, grocery stores, and schools. It's just too close to everything! Whether you're commuting to Downtown Charleston, Mount Pleasant, or even heading to the beach, you've got easy access to major highways. This house is a rare find, so don't miss your chance to make it your home!
Source: CTAR #25005166
Source: CTAR #25005166
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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.