Did you know you could snag a 2.75% mortgage rate in today’s 6–7% market? Discover the little-known strategy that’s helping buyers save hundreds every month—and why sellers should be shouting about it.📖 Episode SummaryInterest rates may feel like the biggest roadblock to homeownership right now, but there’s a powerful workaround: loan assumptions. In this episode of Off the Record, your hosts Joe Reitzug and Makayla Mast break down how buyers can step into a seller’s existing mortgage—and lock in yesterday’s low rates.They’re not just talking theory here—Joe and Makayla have seen it firsthand with their own clients. Because they’ve guided buyers through the process, they know the pitfalls, the benefits, and the huge wins. And yes—it really can mean saving over $1,400 a month or more.Whether you’re searching for your first home or strategizing how to make your listing stand out, this conversation will change the way you think about financing.⏱️ Episode Highlights[00:01:48] – Why now is still one of the best times to buy despite higher interest rates.[00:05:08] – The major perks of assuming a seller’s loan for buyers and sellers.[00:08:32] – FHA vs. VA: which loan assumptions are smoother to process?[00:10:35] – The hidden challenge: longer closings and how to manage them.[00:15:24] – Case study: saving $173,000 over 10 years with an FHA assumption.[00:17:20] – Step-by-step: how to confirm assumability and apply with the seller’s lender.👥 About the HostsThis episode is hosted by Joe Reitzug and Makayla Mast, Portland real estate experts who love giving buyers and sellers the insider edge. They don’t just talk about creative financing strategies—they’ve put them into action with real clients and seen the results.👉 Want a deeper dive? Check out the blog: How Consumers Can Buy a Home by Assuming the Seller’s Loan.🔗 Resources Mentioned:LivPortland.comReady to find out if you can step into a 2.75% rate or use this strategy to sell your home for more? Don’t just wonder—let’s talk about your options.📲 Reach out to us today at LivPortland.com or send us a message directly. We’ll walk you through whether a loan assumption could work for you—and how to use it to your advantage in today’s market.Because this isn’t just theory. We’ve helped clients do it, and we can help you too..Thank you for listening to this episode. Stay up to date on the latest trends and insights by subscribing to our podcast and following us on social media. For more information about buying or selling in the Portland Metro real estate market, please visit www.LivPortland.com or contact us directly. We appreciate your feedback, so please leave a review and let us know what topics you would like to hear more about.

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