01
Find a home with a low rate
Roughly 1 in 4 mortgages is assumable. FHA and VA loans can transfer with the property.
Find a home you'll love
in the Austin.
Fresh from the MLS
Latest listings
Scottsdale, AZ
List price$525,0003 bd · 2 ba · 1,840 sqft
Same home, same loan
Your monthly payment, cut almost in half.
On the $420,000 loan after 20% down.
7.24%
Today's rate
monthly payment
$2,862/mo
2.50%
Assumable rate
monthly payment
$1,660/mo
Save $1,202 every month
That's $432,720 over the life of the loan.
02
Step into the seller's loan
You keep the same rate and term while the lender transfers the loan into your name.
03
Save hundreds for decades
A much lower rate can reduce monthly payments and preserve long-term wealth.
Assumable mortgages, explained
A time machine
back to 2021 rates.
An assumable mortgage lets you take over a seller's existing home loan. Same rate, same term, same monthly payment they signed years ago. Step into a 2 to 4% mortgage from the COVID era instead of a 7.24% rate today.
50 years of mortgage rates
US 30-year fixed average
Thinking of selling?What's your
What's your
home worth today?
Get an instant AI-powered valuation, backed by live MLS comps, tax records, and neighborhood trends. Delivered in 30 seconds.
Sample estimate
$2.21M
Arcadia · 4bd · 3.5ba · 3,610 sqft
$2.05MConfidence 94%$2.38M
Meet your agent
Kelsey Osborne
Realtor® · Dan Frey Home Loans
Born and raised in the Valley, specializing in Scottsdale, Arcadia, and Paradise Valley — with a reputation for finding assumable mortgages and off-market opportunities before they hit the MLS.
Top 1% agent
4.98 rating
Assumable specialist