An entertainer’s mountain escape tucked inside one of San Bernardino Mountain's best kept secrets. Welcome to Green Valley Lake, often referred to as the “hidden gem” of the mountain communities. 32945 Juniper Lane offers a rare blend of privacy, creativity, and year round outdoor living. Surrounded by National Forest land and positioned on an expansive tiered lot with multiple usable flat spaces, the property feels like a true retreat from city life. Expansive mountain and forest views can be enjoyed right from your backyard, creating a setting that feels peaceful, private, and immersed in nature. Designed for entertaining, relaxing, and creating, the home features three bedrooms, three bathrooms, and a bright loft that easily adapts for guests, creative space, or additional living.The primary suite and an additional guest bedroom are located on the main level, offering convenient single level living, another rarity in the mountains. Large windows and natural light bring the outdoors in, creating a warm, inspiring atmosphere throughout the home. The home also offers near level entry with only a few steps to the front door, along with a one car garage for added convenience. The outdoor spaces are where this property truly shines. Multiple entertaining areas invite evenings around the outdoor fireplace, sunset views from the deck, or relaxing in the jacuzzi after a day exploring the mountains. The unique lot layout allows for rare usable outdoor living spaces that are hard to find in mountain properties. Located just a short walk to the lake and town, the home offers convenient access to fishing, kayaking, swimming, and year round community events. As a shareholder in the private water company, ownership includes exclusive access to Green Valley Lake’s sandy beach and recreational amenities, all without HOA restrictions. Snow Valley Ski Resort is just 15 minutes away, and the home sits centrally within the San Bernardino Mountains, approximately 35 minutes to Big Bear Lake and 30 minutes to Lake Arrowhead, placing you in the heart of mountain living while still enjoying the quiet charm Green Valley Lake is known for. Built with longevity and comfort in mind, the home includes fire resistant materials, integrated fire sprinklers, and passive solar design for energy efficiency. 32945 Juniper Lane is more than a mountain home, it’s a creative retreat, an entertainer’s getaway, and a place designed to unplug, recharge, and fully experience mountain living.
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.
