Buy a Home With a Low-Interest Assumable Mortgage in Southern California
Beat Today’s High Rates:
Legally Take Over a Seller’s 2–5% Loan
No tricks. No creative loopholes.
Just real homes with real bank-approved, assumable mortgages.
What Is an Assumable Mortgage?
An assumable mortgage is a home loan a buyer can take over (“assume”) from the seller, including their same low interest rate and remaining loan balance.
These are legally approved by the lender; it’s a legitimate, paperwork-included process that banks allow on specific loan types.
Most common assumable loans:
🔹 FHA loans
🔹 VA loans (for qualified veterans or their family members)
🔹 Some USDA loans
🧭 How to Buy a Home With an Assumable Loan (The Smart Way)
(I walk you through every step)
1. Get Pre-Qualified for an Assumption-Approved Loan
2. Find Homes With Assumable Loans in SoCal
3. Negotiate and Submit the Assumption Packet
4. Close With Confidence
🧠 FAQs: Everything You Need to Know
What is an assumable mortgage?
It’s when you take over the seller’s existing mortgage, same interest rate, same terms, instead of getting a brand-new loan. In today’s high-rate market, this can save you hundreds (sometimes thousands) per month. I’ll guide you through finding these opportunities and structuring the deal.
What types of loans are assumable?
Do I need good credit?
Do I need a down payment?
How long does the assumption process take?
Can you help me find these deals?
How do I find homes with assumable mortgages?
Do I still need to qualify with the bank?
What happens with the seller’s equity?
Is an assumable mortgage always the best option?
What You Get When You Work With Me
✅ Access to off-market and on-market assumable loan listings
✅ Personalized deal breakdowns (mortgage terms, equity gap, cash needed)
✅ A trusted advisor who understands compliance + creative strategy
✅ Full communication with lender and seller, done for you
✅ Peace of mind you're buying a legitimate, transferable deal
Hi, my name's Shiv, and I specialize in off-market and creative real estate deals that help buyers and sellers in Southern California win in a market that’s constantly changing. Whether it’s seller financing, assumable loans, lease options, or wraps, I focus on solutions, not just sales.
Having worked in real estate alongside people who cut corners or cared more about commissions than clients, I know how that feels, and I wanted no part of it. That’s why I’ve committed to doing things the right way: with transparency, creativity, and integrity.
Joining the team at MINT Real Estate was a no-brainer; their hustle, ethics, and strategic approach match my own. Together, we bring a priceless advantage to our clients: the ability to close even the trickiest transactions while always putting people first.
If you’re looking for a real estate experience that actually feels good (and works), you’re in the right place.
Ready to Lock in a 2–5% Mortgage?
🎯 I’ll help you find the deals no one else is talking about, legally and ethically.
Whether you’re buying your first home or investing in a second one, this is one of the smartest ways to buy in 2025.
👉 Book a Free 15-Min Strategy Call
Let’s see if an assumable mortgage deal is right for you.
