3715 Bur Oak Rd San Bernardino, CA 92407
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About this home
Beautiful curb appeal and a light neutral color pallet welcome you into this stunning Rosena Ranch home! As you enter, you’re greeted by a spacious living room that flows seamlessly past the staircase into the open-concept kitchen and living area. The family room features a contemporary fireplace and built-in entertainment center, perfect for relaxing alone, or large gatherings. The chefs kitchen offers elegant dark wood cabinetry with granite counter tops, an oversized center island designed for pull up seating, vast counter space, and a spacious pantry. The flowing layout is completed by a large sliding glass door, that opens to the full length patio with ceiling fan ideal for indoor/outdoor California living. A convenient downstairs bedroom and full bathroom complete this stylish first level. Upstairs, you’ll find a generous loft area and new plush carpeting throughout the entire level. Double doors into the bright and airy primary suite featuring recessed lighting, ceiling fan and an expansive retreat — perfect for a home office, nursery, or sitting area. The luxurious en suite bathroom boasts a dual sink vanity, oversized soaking tub and separate glass enclosed shower, and a room sized walk in closet. Each additional bedroom is generously proportioned and includes ceiling fans and inviting window seating. The backyard is beautifully accentuated with a full length covered patio, and rich green artificial turf for low maintenance and elegance— perfect for relaxing or entertaining, looking fantastic year-round. The welcoming fire ring, block retaining wall and maturing shade trees create a private space that is perfect for both adults and kids. This desirable community offers amazing amenities including pools, parks, a gym, and a splash pad for the children. Solar is another wonderful feature this builder placed on every home, creating an energy efficient community, providing a nice savings on electricity with a low monthly assumable lease. This immaculate, must-see home that truly has it all, is also conveniently located to the freeway, Victoria Gardens mall, and other amazing places for shopping and dining!
Source: CRMLS #CV25242557
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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.