664 W J St, Ontario, CA 91762
4 beds · 2 baths · 1,822 sqft
Welcome to 664 W J St, Ontario, CA 91762, a beautifully maintained 4-bedroom, 2-bathroom home bursting with charm and character! Nestled in a quiet and well-established neighborhood, this home offers a warm, inviting atmosphere with classic mid-century details and modern comforts. As you step inside, you're greeted by a spacious living room with original hardwood floors, a stunning brick fireplace, and large windows that fill the space with natural light. The formal dining area provides plenty of space for entertaining, while the vintage-style kitchen boasts original cabinetry, a retro oven, and ample storage space, keeping the home’s nostalgic charm intact. Adjacent to the kitchen, a separate laundry room adds extra convenience with outdoor access. With four generously sized bedrooms, this home offers flexibility for any lifestyle. Whether you need an extra guest room, home office, or playroom, this layout is designed to accommodate. The 4th bedroom/den/office features custom built-ins, a fireplace and ample closet space. One of the bathrooms features a beautiful free soaking standing tub while the 2nd bathrooms features a generous size tiles walk in shower with nice glass door enclosure. Step outside and discover an incredible backyard retreat, perfect for entertaining and relaxation. Featuring a spacious concrete patio, shaded picnic and dining areas with vibrant umbrellas, and mature landscaping, this backyard is truly an entertainer’s dream. The covered patio/breezeway with rustic wood beams and a colorful tiled door adds even more charm and versatility, making it an ideal space for outdoor gatherings year-round. The two car garage is spacious and includes a 50 amp sub-able for the RV hookups and EV charger. Additional features include RV PARKING with HOOK UPS, a long driveway for ample parking, dual pane windows, upgraded plumbing, upgraded electrical, HVAC, tons of storage throughout the house, a private fenced yard, and easy access to local parks, schools, shopping, and dining. This is your chance to own a home filled with warmth, character, and timeless charm. Don’t miss out—schedule your private tour today!
Source: CRMLS #CV25030278
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #CV25030278
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.