Assuming Advantage: A Real Estate Broker's Guide to FHA & VA Mortgage Assumptions

When interest rates started climbing, most people in real estate hit the brakes. Buyers paused. Sellers waited. Lenders tightened. But quietly-without headlines or hype-a small group of savvy buyers began to hunt for something different.
They weren't chasing the lowest down payment. They weren't obsessed with square footage. They were looking for one thing: assumable mortgages.
And they found gold.
Assumable loans are a relic from an earlier era. A time when interest rates were double digits, and passing along a 4% or even 3% loan to the next buyer wasn't just a courtesy-it was a dealmaker.
Today, they're back. And they're more powerful than ever.
I've written this book because too many buyers and agents are missing out. They're walking past listings with 2.5% or 3% fixed-rate loans and writing offers on homes that saddle them with rates over 7%.
They don't know what to look for. They don't know who to call. They don't know how it works.
But you will.