The 2025 Mortgage Trick Smart Northern Virginia Buyers Are Using to Save Thousands

If you’re holding out for 3% mortgage rates to return—stop waiting. That ship sailed. But there’s still a smart way to get on board.

Let’s talk about assumable mortgages.

This isn’t some gimmick. It’s a lender-approved option that lets you inherit the seller’s low-rate mortgage. In today’s 7% market, that’s a financial win—especially if you’re a strategic buyer here in Northern Virginia.

💬 What’s an Assumable Mortgage—And Why Should You Care?

It means instead of taking out a brand-new loan at today’s rates, you take over the seller’s current loan—including their ultra-low rate and remaining balance.

Here’s why this matters in 2025:

• Average current rate: ~6.85%

• Assumable loan rates: As low as 2.5–3%

• Monthly savings: Up to $900

If the seller has an FHA, VA, or USDA loan—you may be able to assume it. It’s completely legit and, in many cases, the smartest financing option available.

🔥 Why This Hack Is Gaining Attention

This strategy is no longer a secret:

• Business Insider called assumable loans the “best-kept secret” in real estate

• RetroRate and Roam now make finding assumable homes easier

• Videos on this topic are going viral—because buyers are hungry for savings

📍 What This Means for Northern Virginia Buyers

In Prince William County, Manassas, and Woodbridge, assumable listings are showing up—and selling fast.

Here’s a real example:

• Home price: $550,000

• At 3%: ~$2,200/month

• At 7%: $3,100+/month

That’s nearly $900/month in your pocket—money that can go toward savings, updates, or just breathing room.

And for VA-eligible buyers? This is a serious advantage.

📣 Sellers—Here’s How to Use This to Your Advantage

If you’re a downsizing or cost-conscious seller sitting on a 2–4% FHA or VA loan—you have a hidden asset.

Marketing your home as “assumable” can:

• Attract more attention

• Justify a stronger list price

• Help your home stand out and sell faster

Sellers I work with who promote assumable financing often see increased showing activity and more competitive offers.

🎯 What to Do Next

• Buying? Ask me to send you a list of homes with assumable mortgages. They’re out there—you just need to know where to look.

• Selling? Got a low-rate FHA or VA loan? Let’s highlight it and market that edge.

This isn’t just a “hack.” It’s a financially smart move in a high-rate market. Whether you’re upsizing, downsizing, or just making your next strategic step, assumable loans could save—or earn—you serious money.

📞 Call me at 571-601-2232 or visit movemeinva.com.
Let’s make All The Right Moves in 2025.