1142 Baldwin Dr Lancaster, SC 29720
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About this home
$5,000 PRICE REDUCTION Welcome to this stunning move-in ready five-bedroom, three-bath residence, perfectly situated in the desirable Walnut Creek community, just minutes from Waxhaw and Indian Land. As you approach, the charming rocking chair front porch sets the tone for the warmth and character found throughout the home. Inside, you'll find a refreshed interior with fresh paint and luxury vinyl plank flooring on the main level. The heart of the home is the spacious kitchen, featuring a large breakfast island, granite countertops, stainless steel appliances, and a stylish tile backsplash.The main level also boasts a private office with French doors and a formal dining room, providing additional living space. The inviting family room, complete with a fireplace and pre-wired for two TVs, is perfect for relaxation. A guest bedroom on the main level, accompanied by a full ensuite bath, is perfect for an office or playroom. Upstairs, the expansive primary suite offers a serene retreat, featuring a tray ceiling and ceiling fan. The spa-inspired ensuite bath includes a dual vanity, frameless shower, granite countertops, soaking tub, and a generous walk-in closet. Three additional well-sized bedrooms provide convenient bathroom access, ensuring comfort and flexibility for family or guests.Step outside to enjoy the fire pit and the serene backdrop of private woods, offering a peaceful space for unwinding or entertaining. Residents of Walnut Creek enjoy resort-style amenities, including a community pool, clubhouse, fitness center, tennis courts, playground, walking trails, and more. This is not just a house; it’s a lifestyle waiting for you to embrace!
Source: CANOPYMLS #4296817
Neighborhood
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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.