1403 Lyttleton St Camden, SC 29020
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About this home
Located in the heart of Camden's Historic District, you'll find this unique all-brick home that stands out! Gorgeous rustic brick is the first thing you'll notice. The house features a porte cochere on the left side of the house...a feature reserved for the very wealthy around 1920, when this home was built. The right side balances it with a large sunroom, home to a Saltillo tile floor. But it's the welcoming front porch that honors the traditional Southern small-town feel. It's huge and ready for swings and chairs and for socializing with friends. Stepping into the main living area, you will find large rooms, 8' tall doors, and at least 10' ceilings! Original, lovely hardwood floors throughout. The huge kitchen has plenty of storage, granite countertops, and stainless appliances. And that butler's pantry is just the place to show off everything you feel the need to show off! A generously-sized dining room connects the living room and kitchen...as it should. (What's with new houses today?) The master bedroom, with an updated bath, is at the back of the house, with another smaller bedroom on the front that would make a wonderful den. Upstairs are two more large bedrooms, one that steps out onto the upstairs roof. It could easily be made into a relaxing bedroom balcony for late-night conversations and a source of cool breezes while you sleep. The upstairs bathroom still has the vintage bathtub and black + white tile! Also, take note of a few interesting things about this home. Closets and storage are usually sparse in older homes, but not here! Plenty of deep closets and walk-ins will make it an easy place to live in these days of shoe collections! Lots of original glass doorknobs and hardware remain, as do an abundance of oversized French doors. The subway tile to the ceiling in the kitchen gives the feel of a 1920s-era deli, and who doesn't love a good Philly Steak, right? If you have little ones, you'll be happy to know that Camden Elementary is just around the corner. This is just a fabulous historic home we are selling AS-IS, but of course, inspections are welcome. Come take a tour and embrace a home not cut from a cookie cutter! Disclaimer: CMLS has not r
Source: COLUMBIASC #616220
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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.
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