930 Richter Way, Mount Pleasant, SC 29464
4 beds · 4 baths · 2,096 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled on a quiet cul-de-sac just steps from Pitt St Bridge, this turnkey Old Village home is the best combination between price and location in all of Mt Pleasant! 930 Richter Way boasts 4 Beds, 3.5 Baths, with nearly 2100 finished sqft for you to enjoy all modern updates yet still feel the Old Village Charm. Entering through the large front porch are beautiful wooden double doors, you'll be greeted with a bright and open concept kitchen and living area. Enjoy cooking in the fully updated kitchen with new AGA induction oven, top of the line stainless appliances, separate beverage center, drawer fridge and large pantry. The main floor is an entertainers dream! Serve drinks from the wine bar as your guests relax at the oversized island or in the attached living space or step out either side of the house for multiple porch relaxation options. The banquette style dining area is another bright space to sit and enjoy meals with seating for six. Just beside the kitchen is the large living room with a beautiful, updated wood fire place and plenty of seating for family and friends. Off the living area, you'll find the spacious laundry room and half bath. On the opposite side of the living room is located the first floor owners suite with plenty of space for a king bed with end tables, as well as the convenience of separate owners' closets. You'll enjoy a large fully updated master bathroom with walk in shower and double vanities with plenty of storage. The master even has access to a private patio to give it a secluded feel. Upstairs is a guest master bedroom with its own fully updated bathroom, large walk in closet, and a door leading out to relax on the upper porch with peeks of the ocean. The second floor also has an additional two bedrooms and renovated full bathroom with soaking tub. The outdoor space is plentiful with a huge back deck with a patio, yard and gardening/tool shed in a fully fenced in space. The home benefits from so many updates from recent HVAC units, to a remodel master suite and bath, to new roof and copper gutters and much much more! 930 Richter Way is located on a quiet street just a short walk to the Pitt Street bridge, Alhambra Hall, and all the shops, restaurants, and wine bars of Pitt St and Coleman Blvd. Enjoy the golf cart lifestyle of Historic Old Village which convenient to Shem Creek, Sullivan's Island, and a short drive over the bridge to downtown. A turnkey and updated home in the Old Village under 2 million is a rare offering. Come make the idyllic life of Old Village yours today!
Source: CTAR #25011054
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CTAR #25011054
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.
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.
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.
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.
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.
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.
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.