This Loan Hack Saves You $600+ a Month: How to Get a 2.25% Rate in '25

By The Klaus Team

The Kenny Klaus Team is one of the most successful real estate teams in America. Since 2010, The Kenny Klaus Team has been consistently ranked in the Top 120 teams nationwide by Real Trends and the Wall Street Journal.

What if you could travel back in time and take over a mortgage with a 2.25% interest rate? In this episode of State 48 Homeowner, we break down the power of assumable loans—a real estate strategy that lets homebuyers “assume” the low-interest mortgage of a home seller. We’ll walk you through two real-world examples in Mesa and Chandler, Arizona, where VA assumable loans can save buyers hundreds per month. You’ll also hear expert insights from Raunaq Singh, CEO of Roam, and Mike Roberts of UMe Projects, who explain how these loans work, how to qualify, and how both buyers and sellers benefit.

We’ll cover:

• What assumable loans are
• Who qualifies (yes, you can assume a VA loan even if you’re not a veteran!)
• How to cover the gap between loan balance and sale price
• The power of the blended rate
• Why sellers can command more by marketing their assumable mortgage

Want to learn more about our listings we shared at 2717 W Medina (Mesa), 2000 W Periwinkle (Chandler), or 1170 E Jardin (Casa Grande)? You can find these and other assumable properties at https://klausteam.com/property-search…

Or want to know if your loan is assumable? Contact the Klaus Team today at KlausTeam.com or call us at 480-354-7344.

You don’t need a DeLorean. You just need the right tools.

00:00 Intro
00:57 What is an Assumable Loan?
02:08 Real Life Examples
02:43 Covering the Delta
03:06 Cash
03:36 Second Loan
03:54 The Blended Rate
05:30 Amortization
06:23 Investors
06:48 What’s the Catch?
09:00 Why this Works?
10:25 Final Breakdown