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Loophole

Assumable VA/FHA Mortgages

Take over sub-4% mortgages on pre-2022 properties.

Overview

VA and FHA loans are assumable — buyer takes over seller's mortgage at the original rate. Millions of homes financed 2020–2021 carry 2.5–3.5% rates. Assumption requires lender approval and buyer qualification but preserves the rate. VA assumption is open to non-veterans (VA entitlement stays with seller). Massive payment savings vs current 7%+ rates.

Best fit
HomebuyersInvestor 2nd-home buyersAnyone competing in high-rate market
Estimated impact
Save $1,500–$3,000/month vs current-rate financing

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