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Didn't get a low rate in 2021?
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An assumable mortgage is a type of loan that can be transferred to a buyer at the seller's existing interest rate.
Roots will help you find and buy one so you can save big on your monthly payment.
Trusted by happy homeowners
“We couldn't have done this without Roots.”
— Brian D.
Complete your assumeability profile to unlock personalized recommendations within your budget to see what you can afford with an assumable mortgage.
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Monthly Payment
Down Payment
Buying Power
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Discover what monthly payments and downpayments you can shop for.
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*Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
Homes with low rates come in all shapes and sizes. A $600,000 home at a 3% rate has the same monthly payment as a $380,000 home at a 7% rate! Get more for your money when buying with Roots.
*Savings, rates, payments, and downpayments are estimates; specific figures may vary. Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
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“The team at Roots is hands down the most knowledgeable and professional group we've ever worked with. They guided us seamlessly through every step of the process and ultimately helped us buy our dream home with an incredible 2.5% loan, instead of the current 7% rate that lenders are offering. Their expertise and support made what could have been a stressful experience feel easy and straightforward.”
Brian D.
Homebuyer • Las Vegas, NV
Locked in at 2.500%
See how much this client is saving every month compared to the market rate.
Joseph wanted to buy a home, but rates at almost 7% put monthly payments out of reach. Then, he found Roots.
Using Roots, Joseph found a home with a 3% rate. Instead of applying for a new loan, he applied to assume the existing loan.
With Roots' help, Joseph secured the 3% rate and is now saving over $500 every month. The seller was fully released from liability.
Roots did the impossible for our family! Roots helped us assume a home with a 3% interest rate!!!
Joseph P., Homeowner
Total Interest Saved Over 27 Years
Downpayment financing can keep more money in your pocket at closing. Slide below for an example of how personalizing your payment may be able to work for you.
Downpayment
$30KMonthly Payment
$2,804Less down
More down
List Price
$575,000Assumed Loan
$470,000Rate
3.5%Payment
$2,804Savings:
$782/mo*Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
Know your buying power to shop with confidence.
Browse homes with assumable mortgages.
Work with a Roots agent, or with your own. Either way, Roots will manage the assumption process to get you to closing ASAP.
Roots Homes is the #1 marketplace for assumable mortgages. We connect homebuyers with sellers who locked in low interest rates from 2020-2023, helping you save hundreds of thousands over the life of your loan.
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