Why Sellers With FHA or VA Loans Have the Upper Hand Right Now
If your mortgage has a 2–5% interest rate, you’re sitting on the most attractive thing in this market, a golden ticket for the right buyer.
Here’s what that means:
✅ Attract more buyers in a high-rate market
✅ Sell faster, without price cuts
✅ Avoid “creative finance” headaches like Subject-To
✅ Stay compliant, lender-approved, and in control
💡 Did you know? Most buyers don’t care about your granite counters or upgraded floors. But they will fight over your 2.25% mortgage.
How to Sell a Home With an Assumable Mortgage
(Step-by-Step)
6. Close Clean, Transfer Title, Walk Away Happy
How Your 2–5% Mortgage Can Add Tens of Thousands in Buyer Value
Let’s do some quick math:
Say a buyer is looking for a $1,000,000 home in SoCal with 10% down.
(In about 5 years, the seller would've paid close to 10% of their home's equity using this example.)
🏡 30-Year Loan @ 6.5%: $5,689/month
👉 Buyer saves $1,648/month = $19,776/year
🧠 FAQ: What Sellers Ask Me First
How do I know if my loan is assumable?
FHA and VA loans are typically assumable, and I can confirm that quickly. Even with conventional loans, I can guide you through negotiating with your lender to see if they’ll allow a buyer to assume your mortgage. Either way, I’ll help you get clear answers and create a plan.
Why would a buyer want to assume my mortgage?
Will I still be responsible for the loan after the buyer assumes it?
What does the process look like for me as the seller?
Does it cost anything to sell with an assumable mortgage?
Can I get top dollar if I sell with an assumable loan?
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 Sell Smarter?
I help Southern California sellers turn their assumable loan into a competitive advantage.
Whether you’re upgrading, downsizing, or moving out of state, I’ll guide you through the process step-by-step, and make sure it’s legal, clean, and fast.
👉 Book a Free 15-Min Call
Let’s see if your loan qualifies and what kind of buyer it can attract.
Check If Your Loan Is Assumable
Agent | License ID: 02241956