Keep browsing where you already browse.
1. Install in one click
It takes just a seconds to add to your Chrome browser and it’s 100% free.
2. Browse like normal
Open Zillow, Redfin, or Realtor.com. We automatically highlight listings with assumable mortgages as you search.
3. See the real savings
On every listing with an assumable loan, we show you the actual interest rate, the monthly savings, and the total you'd save over the life of the loan.
* not affiliated or endorsed by Redfin, Zillow or Realtor.com.
See the savings, not just the rate.
See monthly savings, total interest saved, and downpayment instantly calculated against today's rates. No spreadsheets, and no mental math.
RetroRate gives you an at-a-glance view of how much you can actually afford with an assumable loan.
Find deals you haven't considered.
When you view a home, RetroRate also shows you nearby homes with better rates, expanding your options without expanding your budget.
We're available nationwide, so whether you're searching San Antonio or Palm Beach, RetroRate has you covered.
Assumable mortgages are powerful but the paperwork is unfamiliar. When you're ready to make an offer, our Concierge team coordinates directly with your agent and the seller's lender to handle the transfer, keeping you in the loop every step of the way.
We typically use 7% as the prevailing “prime” rate in our calculations. Sample assumable calculations shown on RetroRate are created using interest rates from several years ago. Estimated monthly payments only indicate P&I and do not include taxes & insurance which will make them higher.
RetroRate Concierge works with buyers, sellers, and their agents to provide as smooth assumption experience as possible. RetroRate does not originate loans, determine or extend credit, or engage in lending or brokering. The original lender or servicer who holds the mortgage handles qualification and approvals of new buyers and makes the final decision to extend credit.
Copyright: © 2023-present Assumable Technologies Inc., dba RetroRate. All rights reserved. Updated July 2025: By searching, you agree to the Terms of Use and Privacy Policy.
RetroRate and all RetroRate variants, and the Treehouse logo, are trademarks of Assumable Technologies Inc., registered or pending in the USPTO.
RetroRate is a licensed real estate brokerage in the State of Colorado. License #EC.100109448
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Your friends with the 2.75% mortgage aren't smarter than you.
They just bought earlier. You can still get that rate, on homes already for sale on Zillow, Redfin, and Realtor.com.
6 million homes come with an assumable mortgage under 5%. The portals don't label them. RetroRate does.
We show you what Zillow, Redfin, and Realtor miss.
The housing market isn't broken. The search is.
Over half of U.S. homeowners have a mortgage under 5%. A fifth have one under 3%. When those homes go up for sale, many come with a loan a buyer can legally take over, at the seller's original rate.
It's called an assumable mortgage. All FHA and VA loans qualify. You don't have to be a veteran to assume a VA loan, and there are millions of them hiding in plain sight on every major real estate site.
The catch? Zillow, Redfin, and Realtor.com don't show you which ones they are. RetroRate changes that.
Found your home? We'll help you get it.
The 3% mortgage era isn't over for you.
It's just hiding in plain site.