Sell Your Home ... And Your Low‑Rate Mortgage

In today’s high‑rate market, your 2–4% mortgage is gold. See if your home qualifies to sell both the house and the mortgage. No obligation, just answers.

FAQ's

See If You Qualify

FAQ's

New to this idea? You’re not alone.

What exactly is an “assumable” mortgage?

It’s a loan a buyer can take over from you, on the same terms you currently have. Instead of getting a new mortgage at today’s higher rates, the buyer steps into your shoes and keeps your low rate, while you still collect your equity- releasing you from all lender liability!

Why would I sell my home along with my mortgage?

Because your low‑rate loan is a huge draw for buyers. It can attract up to 5X more qualified buyers, which often leads to stronger offers, netting you more money in your pocket. Your low rate is gold. Buyers know it could save them tens of thousands in interest, so many are willing to pay you more for your home just to take it over. This is called a Loan Assumption.

Win for them. Win for you.

What happens to my loan and my equity if the buyer takes over?

The buyer takes over your mortgage, so you’re 100% off the hook. At closing, the buyer pays you your equity (the sale price minus what you still owe on your mortgage). Because your low rate saves buyers thousands, many will pay a premium for the home—and that extra premium goes in your pocket.

Why haven't I heard of this before?

Lenders don’t advertise it—because there’s no big payday for them unless they write a new loan.

Most homeowners don’t know this: FHA, VA, and other government-backed loans are transferable to a new Buyer, by law.

What if my rate isn’t super low?

You might still benefit. Today’s rates are higher than almost any mortgage from the last few years, so even a “moderate” rate can be attractive. The only way to know is to check—no obligation.

Do buyers need a down payment or extra fees when assuming my mortgage?

Not like with a traditional loan. When a buyer assumes your mortgage, they skip the big-ticket costs of a new loan — no new lender or broker-origination fees, no appraisal, and no “down payment” to the lender. That can save the buyer thousands of dollars, which frees up money I can often negotiate to get you more.

And here’s the best part: instead of paying those thousands to a lender and broker, the buyer can put that money toward your equity — the difference between what’s left on your loan and your home’s sale price.

For example, if there’s $300K remaining on the loan and you have $80K in equity, the buyer brings $80K to closing. That cash goes straight to you — the value you’ve built in your home.

How much more can I get for selling my mortgage with my home?

There’s no one‑size‑fits‑all premium—every sale is unique. What’s clear is that a low‑rate, assumable mortgage makes your home stand out and can attract up to five times more buyers. More interest means more demand to drive up buyer competition and stronger offers, which is why sellers with assumable loans often see higher sale prices.

A Client Testimony

We listed our home with a 2.75% mortgage, and within days we had multiple offers. Buyers knew they were saving thousands by taking over our rate, so we were able to negotiate a higher sale price.
Hugo A.

"I’m Pablo Salazar, Broker Associate with 20 years of grit, grind and real‑estate wins. I’m proud to have played a role in helping my clients achieve their real‑estate goals, and I look forward to continuing to deliver outstanding results for each and every one of you in the future."

Does your home qualify for a transferable loan? Start Your Check in 60 Seconds.

Pablo salazar

Broker Associate - 38 Degrees Real Estate - DRE Lic 01722824

Your Low‑Rate Mortgage Could Be Your Biggest Selling Tool.

Check your home’s loan transfer eligibility.

• Terms and conditions apply • Not intended as a solicitation if your property is listed with another broker • Privacy Policy