Enjoy panoramic views, privacy, and comfortable single-story living in this San Bernardino home offering approx 2,475± sq ft of flexible living space with a bright, open layout ideal for everyday living and entertaining. Positioned on a quiet cliffside, the home feels peaceful and serene while still being conveniently connected to everything the city has to offer. The open living area with fireplace flows into the kitchen, creating a warm and functional central space. Multiple spacious rooms and separate living areas provide flexibility for home offices, guest rooms, extended family, or work-from-home needs. The layout truly lives larger than expected, offering privacy without feeling closed off. One of the highlights of this property is the elevated view, with beautiful sunsets, city lights, and clear visibility of 4th of July fireworks. The home also enjoys views toward Yaamava’ Resort & Casino, a well-known local landmark that adds to the nighttime scenery and sense of place. ?? The wrap-around backyard offers plenty of room to design your own outdoor space, whether that includes gardens, fruit trees, play areas, or outdoor seating. The elevated setting helps minimize street noise and enhances the overall sense of calm. Conveniently located near shopping, dining, schools, and local parks, with easy access to the 210, 215, and 10 freeways, making commuting throughout San Bernardino, Riverside, and surrounding areas more manageable. This home offers a great balance of space, privacy, views, and accessibility for buyers looking to settle into a quiet yet connected neighborhood. Disfruta de vistas panorámicas, privacidad y comodidad en esta hermosa residencia de una sola planta en San Bernardino, con aproximadamente 2,475± pies cuadrados de espacios amplios y funcionales, ideales para la vida diaria y para convivir. Ubicada sobre un acantilado tranquilo, la propiedad ofrece un ambiente sereno y privado, sin perder conexión con la ciudad. La sala principal con chimenea se integra de manera natural con la cocina, creando un espacio cálido y práctico. La casa cuenta con varias áreas amplias y zonas independientes, perfectas para oficina en casa, visitas, familia extendida o espacios flexibles según tus necesidades. El diseño se siente mucho más grande de lo esperado, con privacidad y comodidad en cada área. Uno de los mayores atractivos es la vista elevada, donde podrás disfrutar atardeceres espectaculares, luces de la ciudad y una vista privilegiada de los fuegos artificiales del 4 de julio. Además, la propiedad ofrece vista hacia Yaamava’ Resort & Casino, un ícono local que realza el paisaje nocturno. ?? El patio trasero tipo envolvente brinda múltiples posibilidades para crear tu propio espacio exterior, ya sea un jardín, árboles frutales, área de juegos o una terraza para disfrutar al aire libre. La ubicación elevada aporta mayor tranquilidad y reduce el ruido del entorno. Cerca de tiendas, restaurantes, escuelas y parques, con acceso rápido a las autopistas 210, 215 y 10, facilitando el traslado a distintas zonas del Inland Empire y alrededores. Una excelente oportunidad para quienes buscan estilo, privacidad y una calidad de vida elevada, cerca de todo pero con la paz que solo una ubicación privilegiada puede ofrecer.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
