Welcome to 9412 Shade Place, a stylish 2020-built, end unit condo in the highly desirable master-planned community of The Resort in Rancho Cucamonga. With approximately 1,955 sq. ft. of modern living space, this home features 3 spacious bedrooms, 2.5 bathrooms, and a versatile third-story large loft that can easily serve as a bonus room, media space, or home office. Step inside to an open-concept floor plan where natural light flows through the living and dining areas. The gourmet kitchen offers a clean, timeless look with crisp white cabinetry, quartz countertops, stainless steel appliances, and a custom backsplash—designed for both function and style. The seamless flow makes it perfect for everyday living and hosting gatherings. Upstairs, the primary suite is a private retreat with a walk-in closet, dual vanities, and a glass-enclosed shower. Additional two bedrooms are roomy and adaptable, while a convenient upstairs laundry room simplifies daily routines. Modern energy-efficient features include a tankless water heater and a whole-house fan—ideal for cooling the home without always relying on the A/C. The 2-car garage is finished with epoxy flooring, ceiling-mounted storage racks, and extra built-in storage space. Living at The Resort means access to incredible amenities: The Club on 6th features a resort-style pool and spa, fitness center with yoga room, conference spaces, event rooms, complimentary coffee bar, kids’ playroom, fire pits, BBQ grills, and even a dog wash station. Multiple dog parks and monthly community events, like the local farmers market, create a vibrant neighborhood atmosphere. The location is unmatched—just steps from Toyota Arena, minutes to TopGolf, Ontario Mills, Victoria Gardens, and endless shopping and dining options. Commuters will appreciate quick access to major freeways, the Rancho Cucamonga Metrolink, and Ontario International Airport. Combining modern finishes, energy-efficient design, and resort-style amenities, 9412 Shade Place is more than just a home—it’s a lifestyle.
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.
