106 Ridge Circle Dr Camden, SC 29020
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About this home
Ask about the Assumable Loan Program. Great Interest Rate! The Bradley is a beautifully designed 5-bedroom, 3-bathroom home offering approximately 3,040 sq. ft. of thoughtfully planned living space. The exterior showcases a sophisticated blend of stone and vinyl siding, creating timeless curb appeal. Inside, the open-concept main level features a spacious Living Room with a cozy fireplace, seamlessly connected to the Kitchen, which is equipped with stainless-steel appliances, a large island with a stainless-steel farm sink, white cabinetry, and elegant granite countertops. A Formal Dining Room with coffered ceilings adds a touch of classic style, while the main-level fifth bedroom—complete with carpet, a walk-in closet, and convenient access to a full bath—makes an ideal guest room or private office. Upstairs, the luxurious Owner’s Suite serves as a private retreat, highlighted by tray ceilings, dual walk-in closets, and a spa-inspired bathroom featuring a garden tub, separate shower, private water closet, and double vanities. This level also includes three additional bedrooms, a second living area/flex room, and a laundry room for added convenience. The home is enhanced by luxury vinyl flooring in the main living areas, bathrooms, and laundry room, with carpet in all bedrooms for comfort. Additional features include a sprinkler system, home automation system, gutters, garage door opener, and hot water heater. Perfectly located, this home offers easy access to Interstate 20, Shaw Air Force Base, Fort Jackson, Camden, and the Sandhill area—providing unmatched convenience for commuting, exploring local attractions, or heading to base. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #618865
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.