1821 Campbell St Camden, SC 29020
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About this home
Charming Camden Classic with Endless PotentialWelcome to 1821 Campbell Street, nestled in the heart of historic Camden! This property sits on a beautiful, spacious lot surrounded by mature hardwoods and offers the perfect blend of small-town character and country appeal.The home features 3 bedrooms, 2 full baths, a living room, dining room, and kitchen—hardwood flooring runs throughout most of the home and simply needs resurfacing to restore its timeless beauty. With a fresh coat of paint and a little TLC, this home could easily become your dream retreat or investment opportunity.Outside, enjoy the large yard, perfect for gardening, pets, or outdoor gatherings. The property includes two storage sheds, a storage bunker, and chicken coops, offering space for hobbies, projects, or a touch of farm life right in town.Located in the wonderful community of Camden, you’ll love being close to local shops, dining, schools, and the charming downtown area that makes Camden so special. Only minutes from I-20 for a quick morning commute.Bring your vision and make this Camden gem your own! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #619909
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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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