Your Amazing Loan Was Always There. Now Everyone Can See It.
Three new releases take assumable loans from the back of the file to the front of the listing.
Assumable loan software for real estate pros
Don't get a new loan. Assume a better one.
About one in five homes for sale with a mortgage comes with an assumable loan, at a rate nobody can get today. Almost none of them are marketed that way. RetroRate finds them, verifies their details, and helps you sell the home and its loan.
11.6M homes that aren't even for sale carry an assumable loan.
Featured in
From invisible to sold
Assumable loans are functionally invisible to most agents, and in most MLSs, and they don't appear in portal and broker searches. That's because this relies on manually flagging of assumable loan information, and there's no structured way to identify them, much less understand their value. RetroRate makes it easy to find, analyze and market homes with assumable loans so these deals find their way into the hands of consumers.
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1 Find
Search every assumable listing in your market, ranked by RetroMatch™, our score for how much a loan could save a buyer. The 2.75% VA loan with the low down payment floats to the top. Last year's 6.5% FHA doesn't.
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2 Verify
Sellers don't normally know they have an assumable loan, and you shouldn't advertise a rate you haven't verified. We cross-reference the seller's mortgage statement against a variety of data sources to confirm accuracy, then issue a Verification of Loan (VOL) report giving you real numbers, on the record.
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3 Market
Show buyers the payment on the assumable loan next to a new one at today's rates, at the same cash to close, side by side. Put this on your site, in your remarks, or in the MLS to let the rate do the talking.
More assumables than you think
- homes across the country have an assumable loan and aren't for sale
- 11.6M
- are for sale right now
- ~120K
- agents already have RetroRate access through their MLS
- 180K+
Stop talking about granite countertops.
Start talking about the loan that comes with the house.
Your buyers can't afford today's rates, but some of the homes they're already looking at come with hundreds of dollars of monthly savings they just don't know about. RetroRate helps you find those deals hiding in plain sight.
Know which loans are worth chasing
Every assumable listing gets a RetroMatch™ score, which weighs the rate, the balance, and hundreds of other attributes. Chase the deals that actually move the monthly payment, and skip the ones that don't.
Sell the home and its loan
A verified assumable listing isn't just another three-bed, two-bath. It's a lower monthly payment that comes with the keys. Marketing a great low rate that comes with the home is a fantastic way to drive interest to your listing when competition for attention is fierce.
Show buyers the real difference
RetroRate analyzes and compares the assumable loan next to a new loan at today's rates with the same cash to close. Same money in, with a very different payment out. Buyers get it in about four seconds.
Win the listing before it's a listing
Run an address before it goes on the market and see whether the loan is assumable, what the rate and terms are, and what taking it over would do to a buyer's payment. Walk into the listing presentation already knowing the best thing about the house.
RetroRate Verified
Advertise the rate. We'll back it up.
Agents should always verify rates before publicly marketing them. RetroRate Verified makes it easy by going straight to the source. You or your seller upload the mortgage statement, we cross-reference it against a variety of data sources to confirm accuracy, and you get a Verification of Loan (VOL) report you can hand to any buyers agent or broker. The listing carries the Verified badge the whole time it's active.
- Verify before you list, so the loan is selling from day one
- Upload the statement yourself, or send your seller a secure link to upload it
- Priced per listing, so you only pay for the ones that need it
For managing brokers and team leads
See every assumable listing in your office. Then do something about it.
Your stalest listings might be sitting on the most valuable thing in the deal: a loan at half today's rate. RetroRate shows you every assumable listing across your company, your offices, and your agents, tells you whether anyone is marketing it, and lets you give the ones that aren't a nudge. Run an address before it lists and it goes live already verified.
- Every office and every agent on one screen, with each listing's status
- Know where every listing stands, from first detected to fully verified
- One monthly subscription for the whole office, verifications included
Works in every market, MLS integration or not.
Assumable data, right where your members already work
We authored the Assumable Loan standard, which ships in RESO v2.2, so this could be a real field instead of a keyword buried in the remarks. RetroRate plugs straight into the tools you already provide your agents, so your subscribers see verified assumable data in search without leaving the MLS.
- RESO v2.2 compliant
- Cotality Matrix and FBS Flex
- Updates in real time
Live in
Or plug it into your own stack
Everything on RetroRate was built on our custom internal API. You can check one address, sync your whole book of listings, or subscribe to changes as they happen. We don't just tell you if a home has an assumable loan: RetroRate delivers the details of the loan, calculates savings against a new loan originated at today's rates, and helps you get a sense of whether this is the home worth chasing. If your brokerage has a developer, they can be live in days, not months.
Read the docs<?xml version="1.0" encoding="utf-8"?>
<edmx:Edmx Version="4.0" xmlns:edmx="http://docs.oasis-open.org/odata/ns/edmx">
<edmx:DataServices>
<Schema Namespace="org.reso.metadata" xmlns="http://docs.oasis-open.org/odata/ns/edm">
<EntityType Name="Property">
<Key>
<PropertyRef Name="ListingKey"/>
</Key>
<Property Name="ListingKey" Type="Edm.String" Nullable="false"/>
<Property Name="ListingId" Type="Edm.String"/>
<Property Name="City" Type="Edm.String"/>
<Property Name="StateOrProvince" Type="Edm.String"/>
<Property Name="PostalCode" Type="Edm.String"/>
<Property Name="ListPrice" Type="Edm.Decimal"/>
<Property Name="BedroomsTotal" Type="Edm.Int32"/>
<Property Name="ModificationTimestamp" Type="Edm.DateTimeOffset"/>
<Property Name="AssumableLoan" Type="org.reso.metadata.AssumableLoan"/>
<NavigationProperty Name="Media" Type="Collection(org.reso.metadata.Media)"/>
<!-- ...additional RESO Data Dictionary 2.0 fields omitted for brevity... -->
</EntityType>
<!-- ...ComplexType definitions for AssumableLoan, Media, plus EntityContainer omitted... -->
</Schema>
</edmx:DataServices>
</edmx:Edmx>In their own words
RetroRate is a fresh, practical tool that adds real value for our agents and their clients. If a loan is assumable, RetroRate does the math and shows what it would look like for a buyer to take over that mortgage. This matters because today's higher interest rates can feel like a major barrier for buyers. RetroRate equips our agents with more data than ever before, helping them guide clients with clarity and confidence. For us, RetroRate is a smart way to open up new possibilities in today's market.
Mark McDonough, Owner/CEO, Better Homes and Gardens Real Estate Winans
For buyers and sellers
House hunting? See the rate on every listing.
Meet VHS, our free browser extension. It puts the assumable loan details right on the listing pages you're already scrolling. Selling? Ask your agent about a RetroRate Verified listing. Your rate might be the best feature your house has, and it's not in the photos.
From the blog
Assumable loans, explained by the people who won't stop talking about them.
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Bienvenidos to Below-Market Rates
Partnership brings RetroRate to MIAMI + RWorld members
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Getting Assumable Loans Out of the Remarks and Into the MLS
Policy work has a reputation. It moves slowly, it happens behind closed doors, and good ideas tend to die in committee long before they reach a user.
There's a 3% loan hiding in your market right now.
In thirty minutes we'll give you the rundown on assumable loans and show how you can leverage assumable data in your own listings.
The 11.6M unlisted homes, and "about one in five" homes for sale, are what RetroRate sees in its own production data, nationwide. The ~120K listings for sale is an estimate, taking the rate of assumable loans we see on the market against the number of homes for sale. 180K+ agents is the combined membership of the MLSs we're live in.