Think low interest rates are gone? Not if you know where to look. In this game-changing episode, David Sidoni is joined by Ryan, aka The Assumable Guy, to break down assumable mortgages—a rare but powerful way first-time buyers could score a 2-3% interest rate in today’s high-rate market.

Assumable mortgages sound too good to be true—but they’re real, and most agents don’t even know how they work. David and Ryan explain how these loans let buyers take over a seller’s low-interest mortgage, slashing monthly payments by hundreds. They cover the step-by-step process, how to find these deals, the challenges, and why this could be the ultimate first-time buyer hack—especially if you’re willing to get creative with house hacking too.

✅ Plus—specific instructions if you want help finding assumable mortgages in your area.

Quote:

“Not only will you pay, on average, $1,000 less a month in your mortgage, but you’re going to spend $80,000 less in interest in just the first five years alone.” — Ryan, Episode 326

Highlights:

• What is an assumable mortgage? How it works—and how buyers benefit.

• How to inherit a 2-3% interest rate—even when market rates are 7%+.

• The truth about VA, FHA, and USDA loans—who can assume them and the biggest misconceptions.

• What’s the catch? Equity gaps, longer timelines, and lender roadblocks explained.

• House hacking meets assumables—how Ryan used this strategy to build his real estate portfolio from $35K/year to financial freedom.

• Down payment options—what happens if the seller has a lot of equity and how to finance the gap.

• Why most realtors have no idea this strategy exists—and how a unicorn agent makes all the difference.

Referenced Links & Resources:

• Follow Ryan (The Assumable Guy) on Instagram: https://www.instagram.com/the.assumable.guy/

• TikTok: https://www.tiktok.com/@the.assumable.guy

• Learn more about assumables and house hacking at TheAssumableGuy.com

IMPORTANT – Get Local Assumable Mortgage Info:

If you want specific assumable mortgage options in YOUR area, go to HowToBuyAHome.com and click Ask David. Tell him you want info on assumables, and he’ll connect you with the right unicorn experts. 

Connect with me to find a trusted realtor in your area or to answer your burning questions!

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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