Your low rate is worth money. Here is how to keep it, or buy one.
If you are selling, your 3% mortgage can go with the house and bring you a better buyer. If you are buying, you can take over someone else's low rate instead of paying 7%. This free guide shows you both.
Inside the free guide
The Homeowner's Guide to Loan Assumptions
- How to find out if your mortgage is assumable in five minutes
- What a 3% rate is actually worth to a buyer, in dollars
- How you get your equity out when the buyer takes over your loan
- How to find and buy a home with an assumable loan
- The three rules that catch people out (FHA, VA, and the 45 to 90 day timeline)
Who this is for
If you are selling
- Your home has been listed 60+ days and buyers keep walking away on financing
- You have an FHA, VA, or USDA loan with a rate under 4.5%
- You need your equity out to buy your next place
- You are competing with new builds offering short-term rate buydowns
If you are buying
- The payment does not work at today's rates on the homes you want
- You can qualify for a mortgage but hate the rate
- You plan to live in the home (required for FHA, VA, and USDA assumptions)
- You have 5 to 10% to put down and want it to go further
What actually happens
We check your loan
Send us your loan type and approximate balance. We confirm whether it is assumable and what the rate is worth on the market.
We run the numbers
You get a plain-English breakdown: what a buyer would pay, what you would net, and how the gap gets funded. Same day.
We handle the servicer
Document package, submission, follow-up. You are released from the loan at closing and receive your equity.
Get the guide
Free, no obligation. We will also send a short email series explaining each step. Unsubscribe whenever you like.
Prefer to talk? Call or text 602-300-3295.