3705 Big Canyon Ct, San Bernardino, CA 92407
3 beds · 3 baths · 2,088 sqft
Welcome to this beautifully updated and remodeled single-story home in the Ridgeline hillside community. The spacious floor plan offers a living room and dining area with vaulted ceilings, creating an open and airy atmosphere. The remodeled kitchen features LED lighting, new stainless steel appliances, and a generous breakfast area overlooking the backyard. The family room is a cozy retreat with a fireplace and skylights that bring in abundant natural light. The primary suite includes a fireplace and a versatile sitting area, perfect for a home gym or office. The en suite bathroom boasts custom wood sliding barn doors, dual vanities, a separate tub and shower, and a walk-in closet. Two additional bedrooms, a hall bath, a guest bath and an indoor laundry room complete the interior. Step outside to enjoy the professionally landscaped front yard with drought-tolerant landscaping and a welcoming porch with breathtaking mountain views. The park-like backyard is an entertainer’s paradise, featuring an Alumawood-covered patio, artificial turf, an in-ground vinyl-lined pool, and an above-ground spa. Additional amenities include an electric solar panel system, exterior lighting, a backup generator system, and ample parking. Conveniently located near Cal State San Bernardino, with easy access to the 210 and 215 freeways, and close to major employment centers. This move-in-ready home is waiting for you — don’t miss out!
Source: CRMLS #CV25061191
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #CV25061191
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.