Buy with a low assumable rate — as low as 2.3%
Take over a seller's existing low-rate loan and cut your monthly payment 20–40% versus today's market. We'll find the listings that qualify.
What an assumable loan actually is
When a home has a government-backed loan (VA, FHA, or USDA), a qualified buyer can often 'assume' it — keeping the seller's original interest rate instead of taking a new loan at today's rates. On the right home, that's a dramatically lower payment for the same price.
- ✓VA, FHA, and USDA loans are generally assumable.
- ✓You cover the equity gap — the difference between the price and the loan balance — with cash or a second loan.
- ✓You don't need to be a veteran to assume a VA loan.
- ✓These opportunities aren't flagged on Zillow or Realtor.com — we surface them with a dedicated search tool.
Common questions
Aren't assumable loans only for veterans?
No. VA loans can be assumed by non-veterans too. FHA and USDA loans are also assumable by qualified buyers.
Isn't the process complicated and slow?
It takes lender approval and some paperwork, but on the right deal the savings are well worth it — and we guide you through every step.
Do I have to pay the whole balance in cash?
No. You cover the equity gap (price minus the loan balance), which can be financed with a second loan — not the entire purchase price.
Ready when you are
Questions? Call or text Andrew at (760) 801-6550 — no pressure, no obligation.