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Rates are over 7%, and your buyer just said they’re going to wait. But somewhere in your market, a homeowner is sitting on a 2.75% VA loan with no idea that their low rate could be the most valuable thing about their house.

A buyer can take that loan over: the rate, the payment, all of it.

In this episode, Tim and Julie Harris show you how assumable mortgages work: why FHA assumptions more than doubled in two years, the math that puts about $850 a month back in your buyer’s pocket, what’s assumable on FHA, VA and USDA loans, and why your buyer doesn’t have to be a veteran to assume a VA loan.

You’ll hear why the closing costs are lower, how to handle the cash gap with a seller second mortgage, why expired listings are a goldmine, and the tool that finds assumable loans in your market.

Plus listener questions from Carla in Jacksonville and Michelle in Virginia Beach.

This might be the best reason to pick up the phone you’ve had all year.

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Opinions are my own and not the views of eXp Realty.