5611 Scharf Ave Fontana, CA 92336
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About this home
Located in North Fontana's prestigious Shady Trails community, this spacious and beautifully maintained 6-bedroom, 5.5-bathroom two-story home offers the perfect combination of comfort, functionality, and style. The well-designed layout features a private downstairs guest suite with its own bathroom, along with a separate powder room for guests. Inside, you'll find fresh interior paint throughout, a formal living room, a welcoming dining area, and a large family room with a fireplace. The open-concept kitchen includes granite countertops, stainless steel appliances, a center island, and a walk-in pantry, making it ideal for both everyday living and entertaining. The primary suite features a private sitting area, a large walk-in closet, dual vanities, a soaking tub, and a separate shower for added luxury. Additional highlights include a 3-car attached garage, ample storage throughout, and a private backyard with space to relax or customize to your liking. Residents of Shady Trails enjoy access to resort-style amenities, including a Jr. Olympic-size pool, spa, clubhouse, fitness center, tennis courts, playgrounds, BBQ areas, and 24-hour gated security. The community is conveniently located near the I-15 and I-210 freeways, excellent schools, local parks, shopping centers, and Victoria Gardens. This is a rare opportunity to own a move-in ready home in one of North Fontana's most sought-after gated communities.
Source: CLAW #25573683
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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.
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