Shop Arizona homes
with 2–4% assumable mortgages.
Every VA, FHA and USDA listing in the Valley with a takeover-ready loan — on-market and off. Save $1,500+ a month versus today's rates.
You're not taking out a new loan.
You're taking over theirs.
Use the finder or browse the map. Every listing shows the locked-in rate and what you'd actually pay each month.
The existing lender runs standard credit + income checks. Typically 2–3 weeks. No new appraisal needed.
You sign at title. The loan — and the rate — transfer to you. You own the home and continue the payments.
Find your dream home.
Six quick questions about budget, area, and use — we hand you back a pre-filtered list of homes whose assumable loan matches what you actually need.
Every step is optional. Takes about 90 seconds.
Where do you want to live?
We've got 2,667 assumable homes across the Valley. Skip any step you don't care about.
The lowest-rate homes in Phoenix
VA assumables cash-flow from day one.
Sub-3% rates locked for 25+ years on properties you can rent out. Jeff walks through the ROI math on any listing.
See investor inventoryOff-market homes before they hit Zillow.
Pocket listings and pre-MLS inventory from our own pipeline — the homes we list before anyone else sees them. Email-only, updates every 3 days.
Jeff Salazar is a certified assumption expert.
Jeff has completed advanced training in loan assumptions — an area most agents overlook. He's closed assumption transactions across the Valley and knows what makes a deal pencil out versus fall apart.
Questions everyone asks
Do I need to be a veteran to assume a VA loan?
No. VA loans can be assumed by any qualified buyer — military status is not a requirement. This is the #1 misconception about VA assumptions.
How much do I need for a down payment?
You need to cover the seller's equity — typically 8–15% of the home's value, depending on how long they've owned it. Not 20%.
Is the rate really locked for me?
Yes. You take over their existing loan, so you inherit their rate and term. If they locked at 2.75% for 30 years in 2020, you continue at 2.75% for the remaining 25 years.