Non-Veterans Can Assume VA Loans. Here's What Happens to the Seller's
Friday, March 13
The most common thing I hear from agents when I bring up VA assumable loans: "Only veterans can assume those." That's wrong. And it's locking buyers out of some of the best rates in the country. Anyone can assume a VA loan. Veteran, non-veteran, civilian, investor. The assumption itself has not...
The Math Nobody Shows You: Assuming a 3% Mortgage vs Getting a New One at 6.8%
Thursday, March 12
On a $500K home with $400K borrowed, the monthly payment at 6.8% is $2,611. At 3.25%, it's $1,740. That's $871/month. $10,452/year. $313,560 over 30 years.That gap is sitting inside existing FHA and VA loans right now. Some of those homeowners are selling. If you can assume their loan instead of ...
How Much Can You Save with a 2.5% Assumable Rate?
Thursday, March 05
I get asked all the time: "How much would I actually save?" So let me just show you the math. No fluff, just numbers. We'll compare a 2.5% assumable rate against today's 7% market rate across different loan amounts. These are real scenarios based on actual Colorado listings I'm tracking. Scenario...
How to Assume Multiple Mortgages: Building Scale
Wednesday, March 04
One of the first questions investors ask me: "Can I assume more than one mortgage?" The answer is yes. There's no legal limit. But there are practical considerations. No Legal Cap on Assumptions Unlike conventional mortgages, there's no rule saying you can't assume multiple FHA or VA loans. Each ...
The Equity Gap Explained: Your Real Down Payment on an Assumable Mortg
Tuesday, March 03
The equity gap is the number one question I get from buyers interested in assumable mortgages. So let me break it down clearly. The equity gap is the difference between the home's purchase price and the remaining balance on the assumable loan. It's not really a down payment. It's the seller's bui...
Why Assumable Mortgages Are the Best-Kept Secret in Real Estate Invest
Monday, March 02
I talk to investors every week who've never heard of assumable mortgages. Not once. They're hunting for deals, analyzing cap rates, studying markets, and completely missing the biggest financing opportunity of the decade. Here's why this is still under the radar and why that's good news for you. ...