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Big Bear Lake, California
Welcome to this adorable move-in ready mountain cottage, full of charm, curb appeal, and inviting outdoor spaces. Framed by tall pines, a grassy front yard, white picket fencing, and attractive stone wainscoting, this home offers the perfect blend of cozy cabin character and modern comfort. Enjoy a spacious front yard along with a side yard featuring a paver patio and patio cover—ideal for BBQs, outdoor dining, or simply relaxing in the fresh mountain air. Inside, the home opens to bright dining and kitchen spaces with an open, welcoming feel. The kitchen features granite countertops, tiled backsplash, and stainless steel appliances. The living room serves as the heart of the home, highlighted by a wood-burning stove with a rustic stone surround. French doors off the living area lead to a spacious main-level bedroom complete with an office nook and private exterior access, offering flexibility for guests or working from home. Also on the main level is a roomy laundry area combined with a full bathroom for added convenience. Upstairs, the loft-style bedroom is both charming and functional, featuring three built-in twin beds with storage drawers below and a closet. Conveniently located just a short drive from local dining, shopping, and ski resorts, this delightful cottage is the perfect mountain getaway, investment or full-time retreat.
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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.