930 Richter Way, Mount Pleasant, SC 29464
4 beds · 4 baths · sqft
Nestled in the heart of the highly sought-after Old Village of Mount Pleasant, this immaculately maintained home perfectly balances timeless southern charm and move in ready. Situated on a quiet cul-de-sac just two blocks from the iconic Pitt Street Bridge and walking distance to shops, restaurants, parks, and more, this property offers the quintessential Lowcountry lifestyle.With over 2,000 square feet of beautifully curated living space, this home captivates from the moment you arrive. Classic architectural details include double porches, mahogany double front doors, copper gutters/lanterns, and a brick-lined gravel drivewayall contributing to its undeniable curb appeal.Inside, the light-filled foyer sets the tone for an inviting and versatile floor plan. Two spacious living rooms flank the entryway, while the updated kitchen serves as the heart of the home. Designed with both function and style in mind, the kitchen features a large island with seating, high end stainless steel appliances, an oversized undermounted sink, beautiful stone countertops and custom cabinetry, a wine fridge, custom bar, and a generous pantry. The adjacent breakfast nook, framed by a bay window and built-in bench seating, offers a cozy space for meals. This home boasts two primary suites, providing ultimate flexibility. The downstairs suite features built-in closets, outdoor access, and an elegant en-suite bathroom with dual sinks, updated lighting, and a walk-in shower. Upstairs, the second primary suite offers private access to the upper porch, a walk-in closet, and a tastefully appointed en-suite bathroom. Two additional well-proportioned bedrooms share a full bath with a charming clawfoot tub. Outdoors, the fenced backyard is thoughtfully designed for easy maintenance and year-round enjoyment. A spacious deck creates the perfect setting for entertaining, whether hosting friends, watching the game, or enjoying a lowcountry oyster roast. A well-sized shed provides additional storage. Located just minutes from Sullivan's Island and Downtown Charleston, this home offers unmatched convenience. Enjoy walking, biking, or using your golf cart to reach nearby parks, tennis and pickleball courts, playgrounds, gyms, pharmacies, wine shops, restaurants, and more. Zoned for award-winning schools, this property combines historic charm, modern comforts, and a premier location. Please checkout floor plan, 3d tour, and more all available online and then schedule your showing. House has been off of the market since May.
Source: CTAR #24029000
Interest rate and monthly payment estimated based on public records.
Source: CTAR #24029000
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.
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 “Get Notified” 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 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.
MLS ID: #24029000
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