1403 Sonora St, San Bernardino, CA 92404
3 beds · 3 baths · 2,431 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled in a highly desirable neighborhood, this stunning one-story home offers the perfect blend of comfort, style, and functionality. Built in 2005 and set on an expansive 11,500 sq ft lot, this beautifully maintained property boasts 3 spacious bedrooms, 3 full bathrooms, and exceptional curb appeal with lush landscaping and a gated front entry for added privacy. Step inside to find a warm and inviting formal living room that flows effortlessly into a cozy family den featuring a charming fireplace—ideal for relaxing evenings or entertaining guests. The chef’s kitchen is a true highlight, showcasing elegant granite countertops, newer cabinetry, and high-end stainless steel appliances. With an open-concept layout, the kitchen overlooks the family room and connects to a large secondary living area, creating a bright and airy space perfect for everyday living. Each of the three bedrooms is generously sized with ample closet space, offering comfort and privacy for family and guests alike. Step outside into your private backyard oasis, where a large in-ground pool awaits—perfect for summer fun and outdoor entertaining. The spacious yard provides endless possibilities for gatherings or simply relaxing in a serene setting. Additional features include high vaulted ceilings with elegant crown molding, direct access 2-car garage (side-by-side), gated front yard for added security, convenient location near the 210 freeway and Cal State San Bernardino. This is more than just a house—it's a place to call home. Don’t miss your opportunity to own this meticulously maintained gem.
Source: CRMLS #OC25074686
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #OC25074686
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.