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Big Bear Lake, California
Owner financing for well qualified buyers, making it easier than ever to start living your mountain dream today.Your never-lived-in Lake Arrowhead sanctuary awaits! Welcome to 851 Madera, a brand-new construction offering the ultimate mountain lifestyle without any of the typical mountain driving hassles. Offering majestic mountain and golf course views from two expansive decks. Designed with hosting in mind, the main level features a spectacular great room bathed in natural light, rich LVP flooring, and a dramatic floor-to-ceiling fireplace. The kitchen is an entertainer’s dream, boasting a massive quartz island with bar seating for six, stainless steel Bosch appliances, and a walk-in pantry with mountain views as the backdrop. Step through the extra-wide sliding doors onto the deck to experience views that will take your breath away every single day. With four bedrooms and 3.5 baths spread across two levels—including a main-floor bedroom and a luxurious lower-level primary suite with its own private deck—there is plenty of room for family, friends and extended guests. Built with meticulous quality from top to bottom, the home features modern comforts like central air for crisp summers, a powerful new furnace for cozy winters, alderwood doors and a tankless water heater.
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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.