What's an Assumable Loan?

It's Transferable

The unique feature of an assumable loan is that can be transferred from one party to another. All of the terms of the loan and the remainder of the debt are transferred from one party to another.

Which Loans are Assumable?

Not very many! Less than 10% of all loans issued throughout the US are transferable. Only a tiny fraction of that 10% have loan terms that would make a loan assumption desireable. Technically, every FHA and VA loan is transferable.

Who can Assume my Loan?

Anyone who qualifies for a standard FHA or VA loan will qualify to assume a loan of similar size. The bank must allow the transfer to move forward to a qualified borrower.

 LOW RATES!

The last few years have seen some of the lowest interest rates in all of history! These low rates made homes more affordable! Even as home prices rose, the low rates kept housing costs within reach.
 
HIGH RATES!
As interest rates have increased, it means that buyers can no longer afford the same house that they might have afforded just 6 months ago. Buyers are willing to pay a premium if it means that they can access a lower rate. The ONLY way to access the record breaking low rates of the past year is through loan assumption!

You are planning to Sell

If you are already planning to sell your home sometime in the next 6-12 months, then this strategy is a home run for you! The opportunity to profit from your assumable loan will only be available while the rates are high!

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You are a Savvy Investor

These are people who do not need to sell, but if presented with the right opportunity, they would jump at the chance to put an extra 25-45k in their pockets! If this is you, we have put an entire strategy together to help you make the most out of this opportunity!

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You are on the Fence

If you are on the fence about your current living situation, because you woud like to upsize, or downsize, relocate or travel the world... this is likely a once in a lifetime opportunity to capitalize on the unique market that we are in.

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You are in your forever home!

Congratulations! You are in your forever home and you have a great interest rate! You should stay right where you are, although .... it might be tme to think about investment property! 

You can't move quickly.

The market conditions are changing pretty rapidly. It is very unlikely that the market conditions that have created this opportunity will be present next year. Realistically we expect that this process will take a minimum of 45 days from start to finish.

You don't like money.

This is not an opportunity that will be around forever, in fact, the longer that you hold your current loan, the more difficult it becomes to execute on this strategy. This is a real opportunity availabel to anyone who is positioned to capitlize on this market!

HOW IT WORKS

1. Home Valuation

We give you a professional opinion of the value of your home! 

 2. Assumable Loan Calculation

We assess the value of your assumable loan from the perspective of a potential borrower.

3. Sell for higher than market rate!

The value of your assumable loan is ADDED to the value of your home and we bring it to market.