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A Scrub is a Listing Whose Rate’s Too High

By Greg Fischer

Head of Growth

The view through the windscreen of a car from the back seat, two people in the front, a palm-lined road ahead.
Photo by Kenny Eliason on Unsplash

At RetroRate, we’re unlocking home loans and lighting a fire under new deals for real estate pros and their clients. We’re on a mission to help save everyone cash, flip rates on their head, and get more people into homes.

Flip the Dial to Deals That Fly

Price, beds, baths. Yawn. Most listings drone on like a dial-up modem. But a home with an assumable loan? That’s a ’90s mixtape banger begging for the spotlight. Sellers aren’t just unloading a house, they’re handing buyers a time machine to lower mortgage rates.

Buckle up. Since the last recession, 1 in 3 homes locked into government-backed assumable loans that crush today’s rates. Yet, when these homes hit the market, most agents spend a majority of their marketing highlighting granite countertops or stainless steel appliances instead of the savings.

A line chart of the FHA and VA share of purchase loan locks over a trailing twelve months, from 40% in December 2017 down to under 29% in early 2022, recovering to about 34% by December 2024.
John Burns Research and Consulting, January 31, 2025

If an agent even notices the home has an assumable loan, many will slap red Comic Sans over a photo with the interest rate or just holler ‘ASSUMABLE’ in the last description line. It’s like they’re hangin’ out the passenger side of their best friend’s ride. Is that the best they can do?

Good luck hunting assumable loans on popular portals where there are no real filters, just a keyword box buried at the bottom. It’s a crapshoot unless the agent put it in the description. But our data proves there’s more love for assumable listings out there than this weak game shows.

First get the loan servicer on board, balance nailed down, payment set, and process mapped so the ride’s smooth from the jump. No, buyers don’t want a high number. Say ‘I want to give you mine.’ Assumable listings are fly.

RetroRate’s tech turns agents into assumable loan legends. No scrubs here, just pros who spotlight low-rate gold, save buyers thousands, and unstick sellers for their next move. Agents, crank the volume. Remix this market!

By Greg Fischer

Head of Growth

20yrs of startup grit, enterprise tech, and real estate brokerage. Navy Veteran.

Greg Fischer on LinkedIn

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RetroRate

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.

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