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Big Bear Lake, California
Welcome to your mountain retreat! This beautifully updated 3-bedroom, 2-bathroom home is ideally located in the sought-after San Moritz area, positioned directly across from Lake Gregory with exceptional water views. Here, you can enjoy the best of lake living with local trails, paddleboarding, kayaking, fishing, and special summer events, or simply relax on the spacious deck while taking in the scenery. And on July 4th holidays your front deck gives you a front row seat for the exceptional fireworks display. The large, landscaped, and fully fenced backyard provides plenty of space for outdoor entertaining, pets, and gardening. Thoughtfully designed for comfortable living, the home combines style and convenience with recent updates throughout, including thermopane windows, central AC, a whole-house Generac generator, and level parking for up to three vehicles. It is also just a short distance from town, Goodwin's Market, local shops, and some of the best restaurants on the mountain.
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Based on the household income you entered, you fall under the USDA Rural Housing Loan cap. This is a government-backed program that allows zero down payment on eligible mountain properties — lower mortgage insurance than FHA and more flexible credit than conventional.
It’s not widely advertised, but most homes in our mountain communities qualify.