1344 Whistling Ln York, SC 29745
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About this home
THIS IS A MUST SEE!! Seller is offering a $10,000 concession to use as you please! Stunning home in a highly desired gated community with a gorgeous kitchen featuring an oversized island, granite countertops and stainless steel appliances with the perfect flow into a large dining room adorned with a wall of built in cabinets. The main level primary ensuite bedroom is full of natural light & features a large walk-in closet. This split bedroom floorplan gives you two additional bedrooms on the main level and a full bath. The newly renovated oak staircase leads you to a fourth bedroom, full bath and a loft on the second level. The loft is generously sized with so many possibilities such as a rec room, media room, library, second living room or office. You can enjoy sitting on the screened in porch or enteraining guests on the large deck situated out back overlooking the fenced in yard and beautiful landscaping. Enjoy the community features such as a community pool, playground, club house, walking trails and leased boat slips. Features of the home include: Professionally installed home network w/ fiber internet (ask agent for more details), whole home water filtration system, dual zoned HVAC, induction stove, electronic keypad on front door, Ring camera, irrigation system. Come check out 1344 Whistling Ln and you will feel like you're home! **Some photos virtually staged.**
Source: CANOPYMLS #4294757
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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.