Unlock Low Interest Rates

Take over a seller's existing low-rate mortgage. Save thousands of dollars a year with an assumable FHA or VA loan.

Assume rates as low as 2.5% to 4%, significantly reducing your monthly mortgage payment compared to current market rates.

We actively identify and source properties with assumable loans that aren't always clearly advertised on public portals.

The assumption process can be complex. We guide you through the paperwork, timelines, and equity gap financing.

How Loan Assumptions Work

You still need to qualify with the seller's current lender, meeting their credit and income requirements.

You must cover the difference between the home's purchase price and the remaining loan balance with cash or a secondary loan.

Loan assumptions typically take 60-90 days to close. We manage the expectations and timeline to keep the deal on track.