{"id":772,"date":"2026-04-16T10:00:00","date_gmt":"2026-04-16T10:00:00","guid":{"rendered":"https:\/\/www.realtorzee.com\/blog\/?p=772"},"modified":"2026-04-16T10:00:00","modified_gmt":"2026-04-16T10:00:00","slug":"finding-3-interest-rate-homes","status":"publish","type":"post","link":"https:\/\/www.realtorzee.com\/blog\/2026\/04\/finding-3-interest-rate-homes\/","title":{"rendered":"Finding 3% Interest Rate Homes"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/zee-maestre-361550\/three-percent-interest-homes\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Buyers can take over a seller\u2019s existing low-rate mortgage, potentially securing ~3% instead of ~6%.<br \/>\nTarget government-backed loans: FHA, VA, and USDA; conventional loans are almost never assumable.<br \/>\nFind listings via niche tools or keyword searches like \u201cassumable,\u201d \u201cVA assumption,\u201d or \u201cFHA assumption.\u201d<br \/>\nBig hurdle: the equity gap; cover it with cash, a second mortgage, or seller financing.<br \/>\nAssumptions can take 60 to 90 days, and buyers still face income and credit checks.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Buyers can take over a seller\u2019s existing low-rate mortgage, potentially securing ~3% instead of ~6%. Target government-backed loans: FHA, VA, and USDA; conventional loans are almost never assumable. Find listings via niche tools or keyword searches like \u201cassumable,\u201d \u201cVA assumption,\u201d or \u201cFHA assumption.\u201d Big hurdle: the equity gap; cover it with cash, a second mortgage, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":773,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/posts\/772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/comments?post=772"}],"version-history":[{"count":1,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/posts\/772\/revisions"}],"predecessor-version":[{"id":774,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/posts\/772\/revisions\/774"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/media\/773"}],"wp:attachment":[{"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/media?parent=772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/categories?post=772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.realtorzee.com\/blog\/wp-json\/wp\/v2\/tags?post=772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}