18016 Ribwort Rd San Bernardino, CA 92407
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About this home
Welcome to Rosena Ranch Living – Spacious, Elegant, and Exceptionally Located. Nestled in the highly sought-after Rosena Ranch community in San Bernardino, this beautifully designed two-story home offers comfort, functionality, and modern style across 3,156 square feet of living space. Built in 2017, this 4-bedroom, 3.5-bathroom home is ideal for multi-generational living or those seeking ample space to relax and entertain. Step inside to discover an open-concept floor plan that seamlessly blends the living room, dining area, and kitchen, perfect for hosting gatherings or enjoying cozy nights at home. The kitchen is the heart of the home, featuring generous counter space, modern cabinetry, and a layout that flows effortlessly for everyday living. Designed with convenience in mind, the home features two main bedrooms, including one downstairs with an en-suite bathroom—ideal for guests, extended family, or accessibility needs. Upstairs, you'll find a large loft, ideal for a media room, home office, or kids’ play area, along with the second main bedroom featuring its own private bath. Additional highlights include: Central air and heating for year-round comfort, attached garage, tile roof and low-maintenance landscaping, Located on a 6,499 sq ft lot. A unique opportunity to own in a desirable, well-maintained neighborhood - Don't miss your chance to make this beautiful residence your forever home in Rosena Ranch—a community known for its peaceful surroundings, mountain views, and easy access to schools, parks, and freeways.
Source: CRMLS #AR25084689
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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.