Comparison Assumable

Selling Home With An Assumable Loan

September 08, 20246 min read

Selling Your Home with an Assumable Loan: The Ultimate Marketing Advantage

If you're thinking of selling your home and have an assumable loan, you’re sitting on a unique opportunity in today’s market. With interest rates soaring, your low-rate loan can be a huge selling point for buyers. In fact, it could be the key to selling your home faster and for a better price. Let me show you how I’ll turn your assumable loan into a powerful marketing tool, saving buyers thousands while positioning your home as the smart choice.

What is an Assumable Loan and Why Does It Matter?

An assumable loan allows a buyer to take over your mortgage at your current interest rate. That’s a massive deal when today’s interest rates are much higher than when you originally locked in your loan. If you have an FHA or VA loan with a low rate, this could be a game changer for selling your home. While other homes on the market come with higher financing costs, your home offers a financial advantage that others simply can’t compete with.

For example, if your mortgage interest rate is around 3.5%, and the current market rate is 7%, a buyer could save hundreds of dollars every month on their mortgage payments. These savings add up over time and become a strong selling point.

How Your Assumable Loan Becomes a Marketing Powerhouse

The beauty of an assumable loan is that it makes your home stand out in a crowded market. Here’s how I’ll make sure buyers understand exactly how valuable your loan is and why they should act fast:

  1. Showcasing Buyer Savings One of the first things I’ll do is lay out the math for potential buyers. We’ll compare the monthly payments and long-term interest savings of assuming your loan versus securing a new loan at today’s higher rates.

    Let’s break it down:

    • If a buyer takes over your 3.5% loan instead of financing a new 7% loan, they could save more than $800 per month on a $400,000 home. Over the life of the loan, that’s tens of thousands of dollars saved in interest alone. These numbers are hard to ignore, and I’ll make sure buyers see them front and center in all marketing materials.

  2. Marketing on the Right Platforms Not all buyers are aware of assumable loans, but that’s where my expertise comes in. I’ll market your home on exclusive platforms that focus on properties with assumable loans, reaching buyers who are specifically searching for this type of financial opportunity. I’ll also highlight the savings on traditional real estate platforms, so every potential buyer knows what makes your home a cut above the rest.

  3. Creating Targeted Ads that Highlight Your Loan’s Value Beyond listing your home on specialized platforms, I’ll run targeted advertising campaigns that emphasize the financial benefits of assuming your loan. Social media ads, email campaigns, and online promotions will drive home the point that buyers can save big by choosing your home.

    I’ll craft compelling messages that focus not just on the beauty and features of your home, but also the incredible savings they’ll enjoy by taking over your mortgage. It’s all about positioning your home as the smart financial choice in a sea of homes that come with higher costs.

  4. Guiding Buyers Through the Loan Assumption Process Buyers often feel uncertain about the assumable loan process, especially if they’ve never encountered it before. I’ll ensure that everything is handled smoothly, from getting the buyer qualified to working with their lender. This ensures a streamlined experience for everyone involved and reassures buyers that assuming the loan is not only possible but also a smart decision.

    I work closely with experts in the field to ensure all details are managed correctly, so you don’t have to worry about the complexities of the loan assumption process.

Why Assumable Loans Sell Homes Faster

The beauty of an assumable loan is that the higher the current market rate, the more appealing your loan becomes. As rates rise, buyers are searching for any way to reduce their monthly payments, and your low-rate loan offers them a way to do just that.

While other homes on the market require buyers to finance at 6%, 7%, or even higher interest rates, your home offers a rare chance to lock in a low mortgage payment, which could save them hundreds every month and tens of thousands over the life of the loan. When buyers see those savings, it creates urgency. They want to lock in that deal before someone else does.

The Steps We’ll Take to Get Your Home Sold

Here’s a look at the process we’ll follow together to market your home’s assumable loan and attract the right buyers:

  1. Reviewing Your Loan Details
    We’ll start by reviewing the details of your loan, including the interest rate, remaining balance, and any special conditions. This will help me craft a customized marketing plan tailored to your specific situation.

  2. Crafting a Custom Marketing Plan
    I’ll develop a marketing strategy that emphasizes the value of your assumable loan, comparing it to current rates and showing buyers how much they stand to save by choosing your home. I’ll use this information to craft ads, social media posts, and listings that highlight the financial advantages of assuming your mortgage.

  3. Targeting the Right Audience
    I’ll make sure your home is marketed to buyers who are actively searching for the benefits an assumable loan provides. Whether through exclusive platforms, targeted ads, or direct outreach, I’ll ensure that buyers who are looking for savings and smart financial opportunities know that your home is available.

  4. Managing the Loan Assumption Process
    I’ll handle the logistics of working with the buyer’s lender to ensure a smooth loan assumption process. From start to finish, I’ll oversee the transaction to make sure all requirements are met, so you can feel confident that the sale will go through without any surprises.

  5. Closing the Deal
    Once everything is in place, we’ll move forward with the closing process, ensuring that all financial and legal aspects of the loan assumption are properly handled. You can rest easy knowing that the entire transaction has been expertly managed.

Why You Should Work with an Expert in Assumable Loans

Not every agent understands the nuances of assumable loans, and many don’t know how to use them as a selling point. That’s why it’s important to work with someone who specializes in this niche and knows how to turn your low-rate loan into a compelling marketing strategy.

From understanding the financial impact of assuming a loan to guiding buyers through the process, my focus is on making sure your home sells faster and with less hassle. By leveraging the power of your assumable loan, I ensure that buyers see the real value in choosing your home over others.


If you have an FHA or VA loan with a low interest rate and are ready to sell, let’s work together to make sure you get the best possible outcome. Contact me today to learn how we can market your assumable loan and get your home sold faster.

Julianne Morin

Realtor with Real Brokerage

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