How Buyers Are Getting 3% Rates Without Waiting for the Fed

Assumable loans are one of the most powerful tools in real estate 2025—and most agents and buyers still don’t know how to use them. In this episode, Esteban breaks down how assumable loans work, how they give buyers access to 3% rates, and how agents can use them to move listings in a high-interest market.Whether you're navigating a va loan assumption, researching the fha loan assumption process, or just trying to figure out how to assume a mortgage, this video lays out the full strategy step-by-step. You’ll also hear how to cover equity gaps with creative financing and how to educate sellers on positioning their loan as leverage.If you're a buyer or agent who:- Wants to learn the va assumable loan process- Is helping sellers with listings stuck at high rates- Is searching for how to find assumable loans in 2025- Needs to understand how to use assumable loans to sell your homeThen this conversation is your tactical playbook.No fluff. Just smart positioning and the truth about what’s working in real estate 2025.