214 Saint Anns Aly West Columbia, SC 29169
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About this home
PRIME REAL ESTATE & the perfect blend of modern elegance and Southern charm in this stunning Charleston-style home, built in 2020 and ideally situated in the vibrant heart of West Columbia. Just steps away from a variety of dining options, shopping, and local colleges, this home offers an enviable lifestyle with the convenience of city living. Gain over $30,000 in home equity in a single purchase! As you approach, the welcoming front porch invites you to relax and enjoy the picturesque views of your charming neighborhood, featuring 33 beautifully designed homes adorned in classic Charleston colors. Inside, the open-concept layout is perfect for entertaining, seamlessly connecting the kitchen bar, dining area, and living room. A conveniently located bathroom on the first floor ensures guests can enjoy their visit without needing to venture upstairs. Retreat to your own private oasis on the second floor, where the sereneowner's suite boasts a balcony ideal for savoring morning coffee and an ensuite bath for ultimate relaxation. The laundry is also conveniently located on this floor for your ease. The third floor features two additional bedrooms and another full bath, perfect for guests or family. Enjoy sleek hardwood flooring throughout the first floor and stylish hardwood stair treads, while the carpeted bedrooms and tiled bathrooms add a touch of comfort and luxury. With lawn maintenance included through the HOA and a generous $3,000 towards closing costs, along with the added convenience of a washer, dryer, and refrigerator, this is an opportunity you won't want to miss! Your dream home awaits in this charming and lively community. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #616563
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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.