How are buyers scoring 3% mortgage rates in 2025 while everyone else is stuck with 6% and 7%? In this video, I break down exactly how assumable mortgages work, who qualifies, and how you can find these hidden deals — even in today’s high-rate market.

Whether you’re a first-time buyer or thinking about selling, you’ll learn:
-What an assumable mortgage is
-Which loans qualify (FHA, VA, USDA)
-The real pros and cons to watch for
-New tools that help you find assumable homes
-Why smart sellers are using this to stand out and get top dollar

If you’re in California and looking to buy or sell, I’m a local real estate agent — reach out anytime and let’s make a plan that works for you.

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*Got questions about assumable mortgages? Drop them below — I reply to every comment!

Timestamps:

0:00 – Introduction
0:21 – What Is an Assumable Mortgage?
0:56 – Which Loans Qualify for Assumption
1:10 – Growing Trend of FHA Loan Assumptions
1:37 – Why Assumable Mortgages Can Save You Thousands
2:02 – The Catch: Cash Gap and Loan Eligibility
2:30 – Blended Mortgage Explained
2:43 – Why Most People Don’t Know This Exists
3:08 – Tools to Find Assumable Loans (Rome, AssumeList)
3:29 – Using Filters on Realtor.com and Other Platforms
3:49 – Why Sellers Should Highlight Assumable Loans
4:31 – Advice for Buyers & Sellers

#AssumableMortgage #homebuying #FHALoan2025 #mortgagehack #realestate

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Alex Schult CA DRE License # 02236174 KW Spectrum Properties
📲 Text: 949-726-2601
📧 Email: aschult@kw.com

DISCLAIMER: This video content is intended for informational, educational, and entertainment purposes only. Neither Living in California nor Alex Schult is a registered financial advisor, attorney, or tax professional. While we have taken reasonable steps to ensure the accuracy of the information presented in this video, we cannot guarantee that it is free from errors or omissions. Any reliance you place on the information provided is strictly at your own risk. Additionally, your use of the Living in California YouTube channel and any communication through this platform, including but not limited to YouTube comments, emails, or messages, does not establish a formal business relationship with Alex Schult or Living in California. For specific advice related to your real estate, financial, or legal needs, we recommend consulting with a licensed professional in the relevant field.

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