In today’s episode, Mike Baltazar shares the true story of a first-time homebuying couple who were denied by a traditional lender—until they discovered a smarter way to buy. By assuming a 2.875% VA loan, they turned a dead deal into a huge win, slashing their monthly payment and securing the home they loved.

If you’ve been told “no” because of debt-to-income issues or high mortgage rates, this episode reveals how assumable loans can create new paths to approval—especially in today’s high-rate market.

Topics Covered:

• Real buyer case study: Denied at 7.125%, approved at 2.875%

• Why assumable loans solve common affordability problems

• How to bridge the gap between loan balance and purchase price

• How MBX helps revive deals with creative mortgage strategy

Think your deal is dead? Let us take a second look.
📞 Call or text Mike Baltazar at 520-490-9608
📩 Email: [email protected]
🔍 Explore live listings at: LoanAssumptionHomes.com

Loan assumptions can offer incredible savings—but only if you know what to look for. In this episode, Mike Baltazar explains why not every assumable mortgage is a great deal. He breaks down key factors like remaining loan balance, amortization term, monthly mortgage insurance, and total cash-to-close—so you can evaluate whether that low rate actually works in your favor.

Whether you're a first-time buyer, investor, or agent, this episode will help you avoid costly mistakes and make smarter decisions when pursuing loan assumptions in 2025.

Topics Covered:

• FHA vs. VA assumable loan differences

• Why remaining term and balance matter

• How MIP impacts affordability

• Real-world comparison examples

• How MBX helps you analyze deals strategically

Have a property you’re considering? Let’s crunch the numbers together.
📞 Call/Text Mike Baltazar: 520-490-9608
📩 Email: [email protected]
🔎 Visit: LoanAssumptionHomes.com

In this powerful episode, Mike Baltazar explains why 2025 is offering a rare moment of opportunity for buyers and sellers alike—thanks to assumable loans. As interest rates hover near 7%, buyers are turning to low-rate loan assumptions to unlock affordable payments, while sellers are leveraging their 2.5%–3.5% fixed-rate mortgages to attract strong offers.

Discover how this “golden window” is creating a perfect storm of motivation, timing, and strategy—and why waiting could mean missing out. Whether you're buying, selling, or guiding others in the real estate market, this episode is your sign to act now.

Need help navigating the loan assumption process or finding qualifying properties?
Call or text Mike Baltazar at 520-490-9608
Email: [email protected]

In this inspiring episode, Mike Baltazar shares the real-life story of Danielle—a single mom who went from feeling stuck in the rental cycle to closing on her first home with a fixed 2.75% mortgage rate through an assumable FHA loan. Discover how this listener turned knowledge into action using the loan assumption strategy covered throughout this podcast.

If you’re a first-time homebuyer, someone feeling priced out of the market, or just looking for a smarter way to buy in 2025, this episode will show you what’s possible when you have the right guidance and access to America’s best-kept home buying strategy.

Topics Covered:

• Real-world loan assumption success story

• How FHA loan assumptions can lower monthly payments

• Why assumable loans are a game-changer for buyers in 2025

• The mindset shift that turns doubt into action

Want help finding your own low-rate opportunity?
Contact Mike Baltazar at [email protected]

In this episode, Mike Baltazar reveals how one simple tool is helping buyers across Arizona take advantage of assumable loans with interest rates under 4%—even in today’s high-rate market. Learn how the MBX Loan Assumption Property Search Tool is changing the game, giving buyers access to up-to-date listings with FHA and VA loans, and making homeownership more affordable. Whether you're a first-time buyer, relocating, or just looking to save, this tool might be the edge you’ve been waiting for.

Want access to the tool or need help navigating your options?
Call or text Mike Baltazar directly at 520-490-9608
Email: [email protected]

#AssumableLoans #RealEstate2025 #SmartHomeBuying #FixedRatesUnder4 #LoanAssumption #VAloans #FHAloans #MBXTeam #PhoenixRealEstate #ArizonaHomes

In this episode, Mike Baltazar shares a candid conversation with a buyer who thought loan assumptions were just another housing myth. From disbelief to action, hear how one simple explanation—and a side-by-side savings comparison—completely changed this buyer’s perspective on what’s possible in today’s market. If you’ve ever wondered whether assumable loans are real (and worth the effort), this one’s for you.

Discover how real buyers are cutting their monthly payments in half—by assuming someone else’s low-rate mortgage.

Episode 17: Understanding VA Loan Entitlement in an Assumable Mortgage Deal

In this episode of Buying With Fixed Rates Under 3.99% in 2025!, Mike Baltazar with the MBX Real Estate Strategists group breaks down one of the most misunderstood aspects of VA loan assumptions: VA loan entitlement.

Whether you’re a veteran selling a home, a non-veteran looking to assume a VA loan, or a real estate professional trying to guide your clients, this episode will give you a clear understanding of how entitlement works—and what happens when someone assumes an existing VA mortgage.

✅ Can non-veterans assume VA loans?
✅ What happens to a seller’s entitlement after an assumption?
✅ Can a veteran buy another home if their entitlement is tied up?
✅ What’s “bonus entitlement” and how can it help?

This episode answers all those questions and more—helping you make smarter real estate decisions in today’s high-interest environment.

Want to take over a mortgage with a 3%–4% fixed rate? 💰 It’s possible—but only if you qualify. In this episode, we break down exactly what it takes to assume a VA or FHA loan in today’s market.

You’ll learn:
✅ Minimum credit score & income requirements
✅ How to calculate your debt-to-income ratio (DTI)
✅ What documents lenders will expect
✅ Pro tips to boost your approval odds
✅ What to do if there’s a gap between the loan balance and purchase price

Whether you’re a first-time buyer, investor, or someone looking for a smarter way to buy, this episode gives you the roadmap to qualify and save thousands on your next home.

🎧 Tune in and get one step closer to assuming your dream rate!

If your home has a VA, FHA, or USDA loan with a rate under 4%, you’re not just selling a house—you’re offering buyers a rare opportunity to assume a low monthly payment in a high-rate market.

But here’s the catch: most sellers and agents aren’t marketing this the right way.

In this episode, we break down exactly how to:
✅ Highlight your assumable loan in your listing
✅ Use clear, compelling language that attracts attention
✅ Create visuals that showcase the savings
✅ Educate buyers and agents on how the process works

Don’t let your 3% mortgage get buried in the fine print—leverage it to sell faster and for more.
This episode gives you the tools to make your listing stand out and turn your mortgage into your biggest asset.

Are you sitting on a mortgage rate under 4%?

You could be holding the key to selling your home faster and for more—if you know how to use it.

In this episode, we’re speaking directly to sellers and breaking down how assumable loans can give you a major edge in today’s high-rate market.

Learn how to:
✔️ Confirm if your loan is assumable
✔️ Market your low-rate mortgage to attract more buyers
✔️ Work with your agent and lender to streamline the process
✔️ Navigate VA entitlement rules (especially if you’re a veteran)

Whether you’re preparing to sell or advising someone who is, this episode will show you how to turn your low-rate mortgage into your greatest selling feature.

Don’t just sell a home—sell the opportunity.