Didn't get a low rate in 2021?
Get a low rate from 2021.
Shop homes with assumable mortgages at rates as low as 3%.
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.
Shop by rate and monthly payment*
Homes with low rates come in all shapes and sizes. Did you know that a $600,000 home at a 3% rate would be around the same monthly payment as a $380,000 home at a 7% rate? Get more for your money when buying with Roots.
3.1%
$1,910/mo
| $68k down
3 bds
|
2 ba
|
1,780 sqft
2444 N Crestwood Drive
Florence, AZ 85132
Bliss Realty & Investments,
Listing provided by ARMLS
3.45%
$2,400/mo
| $69k down
3 bds
|
2 ba
|
1,844 sqft
4028 W Palo Verde Drive
Phoenix, AZ 85019
Real Broker,
Listing provided by ARMLS
2.9%
$2,006/mo
| $45k down
3 bds
|
2 ba
|
1,803 sqft
40950 W Bedford Drive
Maricopa, AZ 85138
Coldwell Banker Realty,
Listing provided by ARMLS
*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.
People love Roots.
Real stories, real savings.
"Roots did the impossible for our family! Roots helped us assume a home with a 3% interest rate!!! I'm in the middle of getting out of the Army and the Roots team has been incredibly helpful to my family. There is not a better team than Roots."
— Joseph P.
"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.
"Assumed a loan back in March. Roots was absolutely incredible to work with. I highly recommend them for a home purchase. Especially in this environment."
— Chris D.
"Roots was essential in the process of assuming the loan on our house! They were extremely knowledgeable about every detail of the assumption process. We got a wonderful home at a 2.75% interest rate that we wouldn't have otherwise been able afford."
— Allison W.
"Roots was absolutely amazing to work with. They were always available when we had questions. Roots made our purchase quick and easy!"
— Robert C.
"Roots is amazing! From start to finish they were there for me to support me in whatever way possible through my home buying journey. Roots is the dream team and are the only way I would choose to go through the home buying process. Choose Roots! You won't be disappointed!"
— Stephanie L.
"Roots went above and beyond to secure me a 2.7% on my dream home-an opportunity I never thought possible. I can confidently say that what Roots is doing is turning dreams into reality. I highly recommend them to anyone looking for a seamless, stress-free experience in home buying."
— Dimitri N.
"Roots did the impossible for our family! Roots helped us assume a home with a 3% interest rate!!! I'm in the middle of getting out of the Army and the Roots team has been incredibly helpful to my family. There is not a better team than Roots."
— Joseph P.
"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.
"I had the pleasure of closing an escrow opposite Roots and cannot say enough great things about Roots. We closed escrow quickly and the agent was a true professional. If I see an offer come through from Roots, I know it will be a smooth sale!"
— Rachel G.
"Just closed a transaction with Roots. They facilitated an FHA assumption and did an amazing job!"
— Erika B.
"ROCKSTARS! If you need to negotiate a VA assumption, bring in Roots and they will get it done quickly. I've worked with Roots with cautious skepticism and they knocked my expectations out of the park. 100% use Roots for your VA assumption."
— Robert P.
"Roots is the real deal, they are the gold standard! I've been in real estate for over 17 years, and it's rare to find a company like Roots that provides an amazing service while treating their clients like absolute gold."
— David M.
"I had the pleasure of closing an escrow opposite Roots and cannot say enough great things about Roots. We closed escrow quickly and the agent was a true professional. If I see an offer come through from Roots, I know it will be a smooth sale!"
— Rachel G.
"Just closed a transaction with Roots. They facilitated an FHA assumption and did an amazing job!"
— Erika B.
Loan assumption fact check.
Misconceptions about assumptions are common.
Let us set the record straight.
Close in 45 days or less
With Roots, assumptions move fast. We streamline the process with the loan servicer to keep things on track.
Qualifying is easy
A 620+ credit score and steady income is often enough. Roots can help you prepare for lender approval.
Low downpayments
In many cases, minimal upfront cash is needed. Roots can help you locate additional financing if needed.
Sellers are protected
A formal release of liability ensures the seller’s credit is off the hook before closing.
Sellers benefit too
By passing significant savings onto the buyer, sellers can ask for more. Who doesn't like more money?!
Loan assumption is hard
WRONG! Roots makes the process seamless, so you can relax and start thinking about moving in.
Your questions, answered.
Still have questions? Ask us here.
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