People are still locking in 2.6% mortgage rates... by taking over someone else’s loan

22 Dec 2025 · 1 min

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0:48

Short YouTube video by Dan Novaes explaining that buyers can inherit very low pandemic-era mortgage rates (as low as ~2.6%) by assuming sellers’ existing loans rather than taking new mortgages. He names FHA, VA, and USDA loans as common assumable loan types and frames this as a current ‘hack’ for getting sub-3% rates; the clip ends with a prompt to follow for more tips.

Chapters

Everyone's complaining about mortgage rate 6, 7, sometimes more percent but what if I told you that people are still locking in as low as 2.6% rates? You don't need to get a new loan to buy real estate. You can actually take over someone else's loan. And there are three ways people are getting these sub three rates right now. They're basically assuming loans from the FHA, VA, USDA loans and even others. And that means that you can take that seller's mortgage and get that same interest rate. That means if that person locked in 2.6% during the pandemic you get to inherit that deal. A lot of people bought homes at 2.6% interest rate, 3% interest rate back in 2020, 2021when money was cheap and now some of those people are needing to leave that property for whatever reason and you can inherit that deal. If you want to get more of this, follow us and get all of our hacks for free.