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Updated 11 months ago on . Most recent reply

Eli King's profile image
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Eli King
  • Rental Property Investor
  • from Cookeville, TN
  • Member since Jan 16, 2019
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Eli King's profile image
Eli King's profile image
Eli King
  • Rental Property Investor
  • from Cookeville, TN
  • Member since Jan 16, 2019
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Eli King
  • Rental Property Investor
  • Cookeville, TN
5
Votes |
15
Posts
Private Lending & Conventional Mortgage Advice

Strategies for Assuming Someone's Mortgage

Eli King
  • Rental Property Investor
  • Cookeville, TN
Posted

I'm seeking strategies for assuming someone else's mortgage as a primary residence. What is the best way to explore if this is an option with the seller's lender? Are there any strategies for making this more desirable for the current lender? 

Nashville, Tennessee
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Lydia S.'s profile image
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Lydia S.
  • Real Estate Agent
  • from Albuquerque, NM
  • Member since Oct 19, 2015
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Lydia S.'s profile image
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Lydia S.
  • Real Estate Agent
  • from Albuquerque, NM
  • Member since Oct 19, 2015
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Lydia S.
  • Real Estate Agent
  • Albuquerque, NM
192
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Lydia S.
  • Real Estate Agent
  • Albuquerque, NM
Replied

@Eli King

The seller would need to contact the servicer of their loan and confirm it’s assumable.

You would then need to qualify with that servicer plus have the funds to cover the difference between what remains on the loan and the purchase price for the home.

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