JJ PEREZ

08/26/2026

article link: file:///C:/Users/Millionaire/Downloads/assumable-loans-blog_2.html

Assumable Loan - Be the Hero... And enjoy the pleasure of rubbing your low rate into your friends faces.

August 25, 2026
The Roseville Ledger — a mostly serious real estate column

Assumable loans: an easy 3-to-5 step process (depending on how dramatic you want to be about it)

A true story about inheriting someone else's 3% interest rate like it's a family heirloom, minus the awkward Thanksgiving conversation.

JJ Perez Realtor · eXp Realty of Northern California

Somewhere, a 2.75% interest rate is just sitting there. Unbothered.
Picture it: 2021. A homeowner locks in a mortgage rate so low that today's buyers would trade a kidney and possibly a car for it. That homeowner is now ready to sell. And instead of that beautiful, low rate evaporating into the financial ether, you — yes, you, dear reader — can simply assume it. Like a superhero taking over someone else's cape, except the cape is a mortgage and nobody has to fight crime.

This is an assumable loan. It sounds fancy. It sounds like something a person in a pinstripe suit invented to confuse you. It is, in fact, refreshingly simple — which is precisely why nobody talks about it at dinner parties, where the w**e is doing all the talking anyway.

"Assuming" a loan is the only situation in adult life where taking on someone else's obligations is widely considered a smart move.

The process

How to assume a loan without assuming anything else goes wrong
Here is the process, in three to five steps depending on how much paperwork your lender enjoys. Follow along. Popcorn optional but encouraged.

Find a home with an assumable loan attached
Not every home comes with this perk — usually it is a VA, FHA, or USDA loan. Think of it as finding out the used car you love also comes with the previous owner's extended warranty. Except the warranty is a great interest rate.

Step count so far: 1 of 3–5. Dramatic tension: building.

Qualify with the existing lender
The lender still wants to know you are a real, employed, credit-worthy human and not, say, a raccoon in a trench coat. You submit financials. The lender reviews them. Somewhere, a raccoon is disappointed.

Optional step for the dramatic version: refresh your loan portal seventeen times a day.

Cover the gap between loan balance and sale price
The seller's remaining loan balance is rarely the full purchase price, so you cover the difference — cash, a second loan, or creative financing. This is the step where your Realtor (hi, that is me) earns their keep negotiating who pays for what.

Sign the assumption agreement
Paperwork formally transfers the loan into your name and releases the seller from responsibility. This is the adult equivalent of taking over someone's gym membership, except you actually intend to use it.

Close, and enjoy a rate your friends will be jealous of
Optional fifth step, included for those who like a satisfying finale. You close escrow, get the keys, and casually mention your interest rate at every dinner party from here until 2052.

Ready to see if your dream home comes with someone else's dreamy rate attached? Let's find out together.

Start my free application → jjperez.exprealty.com

Your next step

Tell me a bit about you — buyer, seller, or both
No essay required. Just the basics, so I can tell you whether assumable financing (or another strategy entirely) makes sense for your situation. Prefer to fill things out on my own site instead? Head to jjperez.exprealty.com → — same questions, just a different doorway.

I'm a buyer or I'm a seller

Full name Email Phone

Next →

JJ Perez
Realtor · DRE Lic #02198019 · eXp Realty of Northern California, Inc.

915 Highland Point Dr, 2nd Fl, Roseville, CA 95678

279-283-8163 · [email protected]

jjperez.exprealty.com

X / TwitterInstagramThreadsFacebookLinkedInZillow

Assumable loan eligibility depends on loan type and lender approval. This post is for entertainment and informational purposes — consult JJ Perez directly for guidance specific to your situation.

Call now to connect with business.

08/17/2026

FIRST-TIME BUYERS
7 Hot Topics (Served With a Side of Chaos)

2026 EDITION — NO CAPES REQUIRED, JUST A PRE-APPROVAL

Buyers Finally Have Leverage
Remember losing bidding wars to a bunch of strangers, like people going crazy during stock market hours, and somehow you walked away empty handed feeling GRATEFUL about it? Yeah, that era face-planted. Sellers aren't sprinting after buyers anymore — you can actually act like an adult and say "let me think about it" pretending to be sophisticated and all, without knocking someone out, like Mike Tyson, just for a home. The first step is getting pre-qualified, I do have a great team of licensed experts, ready to back you... like the linebackers in a football team protecting their quarterback... which is you. It begins with you picking up your cell phone and dialing 10 digits.... and if your that lazy. Just tweet me at "JJ, NEW HOME NOW!" LOL

The "$450,000K Sweet Spot"
Headlines keep saying first-time buyers are basically extinct, like our Dinosaurs, Only with a mortgage. Meanwhile, Sacramento's real estate market is the busiest at this favorable price bracket of $450k, it's exactly where first-timers shop! Take that Bloggers, Commentators, Fake News! Our Buyers are BACK! and I don't mean like Vampires.... LOL

Free Money Alert (With a Catch)
Okay, Okay, nothing in life is free right... But, you can get "Up to $150K in down payment assistance!" Sounds like money raining from the sky. As if some stickup billionaire decided he doesn't want it and dumped it out of his G6 Jet... It's actually a loan you pay back later in time. So don't quit your day job and buy a Million dollar yacht with the cash you caught from the sky. Lets 1st call me at 279-283-8163 and lets get together with our magnifying glass, as if we were Sherlock Holmes, and read the fine print together. Yes, I know it's boring, but like a visit to the doctor who gave you a lolly pop at the end of your visit, You actually will get your OWN HOME. Way better then a shot and only getting that lolly pop.

House Hacking (Trick or Treat, how about both!)
I've been saying this for years! Buy a duplex, live in one side, rent out the other side, and let a qulified tenant pay a chunk, if not all of your mortgage... every month, right! It's basically adopting a roommate who cleans the home and washes your car. But only this roomate fixes your cash flow. Now you cant treat yourself into laying on that Hammoc. Don't forget the bug spray. Wait! before you think of kicking back now you first have to take action! And I don't mean indiana joans in the temple of doom action. I mean just email me at [email protected], heck get my attention on Social media and say "I Want My Castel!"

You CAN BUY Even if your above 45 - You're Not Behind Buying your 1st house at 45 or 50 years of age does NOT mean you're "behind." It means you're buying at the exact age MOST people actually buy now. The 20-year-old-with-a-house thing was basically a unicorn sighting. You're just... normal like the rest of us. Congrats? your no longer an over achiver but Average. So get your Advil, Tylenol, Motrin ready... It won't be for you it's for me and my team. We go to work for you so you don't have to. We make it smooth and excited from day one till we meet again... And yes we will meet again because I will help you get into your 1st rental property after 3 years! Hows that for passive income and duplication of commissions. But my Lambo will have to wait cause I've not heard from you... Send me a message on FB messenger investwithJJPerez

Assumable Loans: (The Time Machine Loophole - My FLUX Capasitor)
Guys Pay attention! Some sellers are still sitting on old loans at 2%–3% interest from years ago; When we came out of the 2010 regression. While today's buyers are stuck paying way more at 7%, Facts. With the right team by your side, like me JJ here, I will work my magic, as if I were Merlin the grand wizard, and get it done for you. Once qualified for a FHA, VA, or USDA, you can literally take over THEIR old low interest rate! Hows that? Instead of making the bank executive wealthier by getting a brand-new traditional mortgage. It's like buying whole sale instead of paying retail price right! Let's face it, we all love getting a great deal! who wants to pay full price for anything... But 1st my team needs your information to getting you qualified so find me on linked in jj-perez-052782124. Message me "JJ BE MY Real ESTATE PLUG!"

Want to buy home with 1st time Home buyer perks - But you already own a home.
Get Ready to laugh (and buy) your way into your first home! yes! that's right! So the bill was passed that basically allows existing home owners to buy a new home, as if you are a 1st time home buyer. What's the catch? well you have to wait after 3yrs. But you will have a rental property, or a 2nd home, or vacation home whatever... Just know one major thing, I will be following up with you after 3years. So yea, your helping me buy my Bugatti! So yea I WILL FOLLOWUP! & YOU WILL BUY! lol

Hope you enjoyed this article with my silly slapstick humor. One of my many joys of life is making people smile laugh and enjoy life.

Your Real Estate Expert with 26 Years of Combined experience in this insane industry!

JJ PEREZ
Realtor | eXp Realty of Northern California Inc.
279-283-8163 [email protected]📞📧
jjperez.exprealty.com🌐
Facebook: investwithJJPerez | Instagram:
X: | LinkedIn: jj-perez-052782124

Written August 16, 2026 Authored By JJ Perez

08/16/2026

JJ Here your Realtor PLUG. Here is your HACK of the DAY😎

08/16/2026

JJ Here you Real Estate PLUG. Here is your HACK of the DAY😎

08/15/2026

JJ Here you Real Estate PLUG. Here is your AGENT HACK of the DAY

08/15/2026

SACRAMENTO FIRST-TIME BUYERS:
5 THINGS YOU NEED TO KNOW IN 2026
1. Buyers Finally Have Leverage
Inventory is up and homes are staying on the market longer. You have room to negotiate like never before.
2. The "$500K Sweet Spot"
The fastest-growing price bracket in Sacramento right now is exactly where first-time buyers shop.
3. Free Money Alert (With a Catch)
Dream For All & SHRA down payment assistance can help — but the fine print matters. Let's review it together.
4. House Hacking Is Having a Moment
FHA loans with as little as 3.5% down can put you in a duplex — let a tenant help pay your mortgage.
5. You're Not Behind
Homeownership timelines have shifted for everyone. Buying now is still a smart move, whenever "now" is for you.
Ready to talk strategy? Let's chat — no pressure, just straight answers.
JJ PEREZ
Realtor | eXp Realty of Northern California Inc.
📞📞 279-283-8163 📧📧 [email protected]
🌐🌐 jjperez.exprealty.com
Facebook: investwithJJPerez | Instagram:
X: | LinkedIn: jj-perez-052782124

07/28/2026

https://youtu.be/zaSwVQ9E_ps?si=nAhdV0Aeoqtngkzl

Spin Maneuver