784 Near Creek Dr, Blythewood, SC 29016
4 beds · 3 baths · sqft sqft
This beautiful all-brick ranch with a Bonus Room (4th bedroom provides flexibility for multiple uses) is fully upgraded with premium features! The inviting entryway sets the tone with its elegant design and welcoming atmosphere. Through the left the archway, the formal dining room featuring cathedral vaulted ceilings, and wainscoting. Through the right archway, the formal living area features coffered ceilings. The engineered hardwood spans to the great room with stone wall double sided fireplaces that opens to the gorgeous sunroom. The perfect place to enjoy your morning coffee with the picturesque view of the crepe myrtles. Sit under the pergola, pick from the fig tree, or cozy up to the fire pit. This wrought iron brick column fenced private backyard is ideal for gardening and entertaining year-round. Back inside, the eat-in kitchen with lots of cabinet space features granite countertops, tiled flooring, a stone breakfast bar, and tiled backsplash. Don't overlook the butler's pantry, complete with a wine rack, and wine fridge for your finest selections! Just around the corner from your pantry or wine cellar. Down the hall you'll find the laundry room before entering the spacious primary suite with custom light features, tray ceiling, molding, double sinks, garden tub, separate shower, and water closet. Two bedrooms, the guest bathroom, and staircase to the BONUS/4th Bedroom are off the hallway from the kitchen. Other features include smart lights, an irrigation system with an extra zone for gardening, landscape lighting, and backyard string lighting. HOA includes lake access across the road at the park allowing fishing and non-motor boating. Convenient to I-77 and I-20, Fort Jackson, shopping, restaurants, and national award-winning schools.
Source: COLUMBIASC #593624
Interest rate and monthly payment estimated based on public records.
Source: COLUMBIASC #593624
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: #593624