400 Woodson Ct Spartanburg, SC 29303
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About this home
Welcome to 400 Woodson Court, an immaculate ranch-style residence nestled in the highly sought-after Woodcreek subdivision of Spartanburg, South Carolina. This beautifully maintained home combines comfort, functionality, and timeless appeal—all on one convenient level. Built in 1988, the home offers approximately 1,747 square feet of finished living space and sits on a spacious 0.45-acre corner lot surrounded by mature landscaping and well-kept grounds. Inside, an inviting open-concept living area features tall ceilings and a cozy gas fireplace, creating the perfect setting for relaxation or entertaining. The primary suite, located on the main level, easily accommodates a king-size bed and includes a private en-suite bath complete with a garden tub, separate walk-in shower, and a large walk-in closet. The kitchen and dining area offer an efficient layout ideal for everyday living, while a dedicated mudroom/laundry area with electric dryer hookup adds to the home’s practicality. Central heating and air conditioning ensure year-round comfort. Outside, the property boasts a two-car side-entry garage with a workshop area, providing ample space for storage or hobbies. A covered back porch offers a peaceful spot to enjoy morning coffee or unwind in the evening. Located in a quiet, established neighborhood, this home offers easy access to downtown Spartanburg, major interstates, shopping, dining, and entertainment. The Woodcreek community features an annual HOA fee of approximately $200, contributing to the neighborhood’s well-kept charm. 400 Woodson Court blends the serenity of suburban living with the convenience of city access—a truly move-in-ready home in one of Spartanburg’s most desirable communities.
Source: CANOPYMLS #4312536
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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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