Crushing it With Assumable Loans
Right now I'm all about ASSUMABLE loans. I think it's one of the best ways for new buyers to get into the market!
If you’re not looking at house hacking with an assumable loan right now, you’re missing one of the best opportunities in real estate.
Here’s why 👇
✅ FHA and VA buyers can take over existing mortgages — I’ve helped three clients do it, and I have one on the market right now with a 2.85% loan. Consistently savvy buyers are picking up properties with loans under 3.5%.
✅ Did you know you don’t even have to be VA-eligible to assume a VA loan. As long as you're an owner-occupant, the seller can leave their VA entitlement behind.
✅ The arbitrage is massive — sometimes thousands in monthly savings just from getting a lower rate.
Now, the catch:
You’ll likely need to cover the difference between the sale price and the remaining loan balance (that’s your “buy-in”). But even that’s flexible — some programs let you use a second lien loan to bridge that gap.
This is one of the smartest ways to get into real estate in 2025 — especially if high rates have been holding you back. And for sellers? An assumable loan can help you sell for more or move a home that might not even appraise due to condition isssues - I sold a property with an assumable VA loan that had the bathroom torn out and no flooring.
If you’ve been waiting for a creative entry point into real estate, this might be it.
If you've actually done an assumable loan, or have questions ask them in the comments!
- Wesley Pittman
