Unlock Access to Low-Interest Assumable Mortgage Opportunities
Learn How Assumable Mortgages Work
What is an assumable mortgage
An assumable mortgage allows a homebuyer to take over a seller’s current loan, locking in ultra low interest rates and saving on closing costs.
Assuming a loan is a win-win for everyone
Buyers
Mortgage assumptions can significantly lower a buyer's monthly payments, have lower interest rates, and offer savings on closing costs.
Sellers
For sellers, mortgage assumptions open the door to a larger pool of qualified buyers. Many times this results in higher sales prices.
Investors
Investors can grow their real estate portfolios by using low-rate loan assumptions, gaining access to properties with great financing terms.
Art Ingram is a certified assumption expert
Art has completed advanced training in loan assumptions—an area most agents overlook. He understands the detailed steps, lender requirements, and how to guide buyers and sellers smoothly through the process. With Art, you're not just getting a realtor—you’re getting a knowledgeable partner who knows how to turn a complex process into a smart opportunity.
Do You Have Any Questions?
Check out this FAQ to get more information
An assumable mortgage is a home financing option where the buyer takes over the seller's existing mortgage terms. This can be highly beneficial, often leading to lower monthly payments. Certain government-backed loans like FHA and VA loans are assumable, and many are available.
While final approval comes from the current mortgage servicer, the process generally requires the buyer to meet the lender's qualification criteria. If you qualify for an FHA mortgage, you should also be eligible to assume one.
Once you register, our team will reach out to you and curate a list of properties with low-rate assumable mortgages that match your needs.
In times of high interest rates, taking over an existing mortgage with a rate as low as 2% can result in significant savings. An assumable mortgage allows you to secure your dream home without overpaying on interest.
Yes. Buyers must cover the seller's equity, which is the difference between the sale price and the remaining mortgage balance. This can be paid in cash or through a secondary mortgage. We can connect you with lenders for financing options.
FHA and VA loans are assumable by default. Most conventional loans are not assumable, but some lenders may allow assumptions under special conditions.
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