How Assumable Loans Can Help You Sell in a High-Interest-Rate Market
Brad Snyders | August 18, 2025
Brad Snyders | August 18, 2025
Interest rates have been a hot topic lately — and for good reason. With mortgage rates hovering around 6.5%, many buyers feel like their dream home is just out of reach. But here’s a tip that could make all the difference if you’re thinking about selling:
If you have an FHA or VA loan, it may be assumable.
What does that mean? If you refinanced during COVID, you may have locked in an incredibly low rate — sometimes as low as 3.5%. If that loan is assumable, a buyer could take over your existing mortgage at your low interest rate instead of today’s higher rate.
That’s a huge advantage in this market. Imagine being able to offer a buyer a 3.5% interest rate when everyone else is stuck at 6.5% — it could make your home stand out instantly.
If you’re a seller sitting on an FHA or VA loan from the low-rate years, this could be your secret weapon. And if you’re a buyer, this is an opportunity worth exploring.
Let’s talk strategy. Give us a call and we’ll walk you through how assumable loans work — and whether it’s the right move for your sale.
We want you to have an incredible real estate experience, so you will want to refer your family, friends, coworkers, and neighbors. We are not out chasing leads or paying for expensive online marketing - our team is focused on serving you!