1264 E 26th St San Bernardino, CA 92404
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About this home
Welcome to this charming 4-bedroom, 2-bath residence offering the perfect blend of comfort, functionality, and opportunity. With 1,386 sq. ft. of living space situated on a generous 10,773 sq. ft. lot, this property provides both room to grow and endless possibilities. Spacious Living: Designed with a thoughtful layout, this home features bright, inviting spaces ideal for everyday living and family gatherings. Four well-sized bedrooms ensure ample room for everyone. Future Potential: The attached garage comes with plans to build a Junior ADU, making it a fantastic option for multi-generational living or rental income. The Jr ADU has entrance to the house and if needed, it can be a 5th bedroom. Permits are paid & ready for inspection. Expansive Outdoor Space: Step outside to your private backyard oasis, complete with an in-ground swimming pool — perfect for summer entertaining, weekend barbecues, or relaxing after a long day. With so much lot space, there’s still room for gardening, play areas, or additional upgrades. Convenient Location: Centrally located near schools, parks, shopping, and major freeways, this home balances neighborhood charm with easy access to everything you need. All information is deemed reliable but not guaranteed. Buyer and buyer's agent are advised to independently verify accuracy of all information, including but not limited to square footage, lot size, permits, and property condition.
Source: CRMLS #DW25198679
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.