The Comeback of Assumable Mortgages: 2025’s Real Estate Game-Changer

Many people assume that now is not a good time to be in the real estate market due to the high interest rates. However, what we’re seeing now is probably one of the biggest opportunities in the last five years, and it’s called “assumable mortgages.” The way it works is you can take over a seller’s existing mortgage, including their existing loans, and it can actually save you a lot in interest rates. We’ve seen buyers lock in interest rates as low as 2.75%, 1.25%, or even 4.5%. If you can find sellers with these interest rates, you can save more in interest than the actual price of the home.

Today, I’ll explain how assumable mortgages work, why they’re so valuable in today’s market, and what both buyers and sellers need to do to take advantage. From lower monthly payments to shorter loan terms, these rare opportunities offer real financial benefits if you’re prepared.

For a full breakdown of the process and what steps to take next, watch the video above or use the timestamps to jump to the parts that matter most to you:

00:00 - Intro

00:20 - Assumable mortgages

01:46 - Real client experience

02:26 - What we’re teaching

05:10 - What did our buyers do?

07:25 - The reason you have to prepare

09:47 - Reach out to us

If you’re ready to explore the benefits of an assumable mortgage or want to find out if your current loan qualifies, you can call or text me at (571) 210-1818 or email me at info@ajteamrealty.com. I’m here to walk you through the process, answer your questions, and help you take advantage of this powerful opportunity in today’s market.