412 Emanuel Creek Dr West Columbia, SC 29170
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About this home
Luxury Live Auction! Bidding to start from $175,000.00! Welcome to this charming 3 bedroom, 2 bathroom home, perfectly situated on a quiet cul-de-sac in West Columbia. Minutes from I20, I26 and only 20 minutes from downtown Columbia and downtown Lexington. Cute as a button and truly move-in ready, this home offers the perfect blend of comfort, style, and functionality on a generously sized lot. Inside, you'll love the open-concept layout that flows seamlessly from the kitchen to the living area. Ideal for entertaining or gathering with family and friends. The kitchen is a home chef's dream, complete with granite countertops, stainless steel appliances, abundant cabinetry, and plenty of workspace. Thoughtfully designed for privacy, the primary bedroom is tucked away on one side of the home, creating a peaceful retreat with its own en-suite bath. The two secondary bedrooms are located on the opposite side, making this layout perfect for families or guests. Durable laminate flooring runs throughout and the interior laundry room offers direct access to the attached two-car garage, adding everyday convenience. Step outside to your oversized backyard, already equipped with a covered patio. The lot provides endless possibilities: whether you envision a screened-in porch, a lush garden, or even your dream inground pool, there's room to make it happen. With added privacy from its cul-de-sac location at the back of the community, this backyard is both spacious and serene. Don't miss your chance to own this delightful home with space to grow and enjoy! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #620134
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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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