637 Kimpton Dr Columbia, SC 29223
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About this home
Welcome to your next home! 637 Kimpton is a spacious 5-bedroom, 3-bathroom home in the desirable Allan's Mill neighborhood in Northeast Columbia! With over 2,200 square feet, this home offers flexible living space perfect for today's lifestyle. On the main level, you'll find engineered hardwood floors, a full guest suite with a nearby full bath, ideal for visitors, multigenerational living, or even an office! The open-concept living room area centers around a cozy gas fireplace. The kitchen is a cook’s dream, featuring granite countertops, a large island, and a gas stove, perfect for meal prep and entertaining. Upstairs, the generous primary suite is privately tucked away and includes a spacious bathroom and walk-in closet. A versatile loft provides the perfect flex space for a playroom, home gym, or second living room area, while three additional bedrooms allow plenty of room for family, guests, or hobbies.Step outside to enjoy the fenced-in backyard—already set up for your four-legged friends, complete with a custom dog house equipped with AC! Whether you're looking for room to grow or space to spread out, this home features it all with style and comfort. Conveniently located near the Village at Sandhills shopping and dining, interstates, and Ft. Jackson. Don’t miss your chance to make this one yours—schedule your showing today! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #612129
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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.