Welcome to 7331 Belpine Place #30 in Rancho Cucamonga, located in the well-maintained Willow Park community. This thoughtfully designed townhome offers 3 bedrooms, 2.5 bathrooms, and approximately 1,354 square feet of comfortable living space with a functional layout, newer carpet, tile flooring, and inviting indoor-outdoor spaces. Step inside to a bright living area with abundant natural light, a cozy fireplace, and an open flow into the dining area and kitchen. The kitchen features generous cabinet storage, a breakfast bar, and modern finishes, creating a practical space for everyday living and entertaining. The DOWNSTAIRS bedroom is currently being used as an office, offering flexibility for a workspace, guest room, hobby area, or additional bedroom use. A downstairs powder bathroom adds convenience. Upstairs, the spacious primary suite includes a large walk-in closet and an en-suite bathroom. The additional upstairs bedroom also features its own private en-suite bathroom, giving the home a smart and flexible layout with added privacy. The private fenced patio with shade covering provides a comfortable outdoor area for dining, relaxing, container gardening, or enjoying fresh air. Additional features include an attached one-car garage with direct access, a second assigned parking space, and included refrigerator, washer, and dryer. Newer furniture may also be available, offering added convenience. Willow Park offers attractive community amenities, including two pools, a spa, clubhouse, and landscaped common areas. The HOA is currently $275 per month and includes exterior maintenance and insurance. Buyer to verify all HOA fees, rules, coverage, amenities, and details directly with the HOA. Conveniently located near shopping, dining, parks, schools, Victoria Gardens, Ontario Mills, and major transportation routes including the 210, 15, and 10 freeways, this home offers access to many local amenities throughout Rancho Cucamonga and the surrounding area. Ready for its next owner, 7331 Belpine Place #30 combines location, layout, community amenities, private patio space, attached garage, and included appliances in one well-appointed townhome. Buyer to verify all property details, square footage, permits, school boundaries, HOA information, and any information deemed important. Make us an offer we can not refuse!
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.
