Buy a Home at 2-3% Interest
in Today's Market
Kevin Hosner is one of the Southeast's leading ROAM-certified assumable mortgage specialists. He helps buyers assume existing low-rate mortgages — saving them $400–$900/month vs getting a new loan.
As Seen in the New York Times
Kevin was featured in a May 2024 New York Times article on how savvy buyers are using assumable mortgages to secure dramatically lower rates and save hundreds of thousands of dollars over the life of their loans.
Read the New York Times ArticleHow Assumable Mortgages Work
Identify the Right Home
Kevin searches for listings with assumable FHA or VA mortgages at below-market rates.
Qualify for Assumption
You apply to assume the existing loan. Kevin guides you through the lender requirements.
Negotiate & Contract
Kevin negotiates on your behalf and manages the unique complexities of assumption contracts.
Close & Start Saving
You take over the low-rate mortgage and start saving hundreds per month immediately.
The Numbers Speak for Themselves
$400,000 home, 20% down, 30-year mortgage
Assumable Mortgage FAQ
What is an assumable mortgage?
An assumable mortgage allows a home buyer to take over the seller's existing mortgage — including its interest rate, remaining balance, and loan terms. Instead of getting a new loan at today's 7%+ rates, you assume the seller's old loan at 2-3%. The savings can be massive.
What is ROAM?
ROAM is a platform and network that facilitates assumable mortgage transactions. Kevin is ROAM-certified and was featured in the New York Times for his work helping buyers leverage assumable mortgages. He knows exactly how to identify assumable listings, negotiate the terms, and guide you through the assumption process.
Which mortgages can be assumed?
FHA and VA loans are assumable by law. These are incredibly common — many homes purchased between 2020-2022 have FHA or VA loans with rates of 2-3.5%. Kevin identifies these listings and presents them to qualified buyers.
What are the savings?
On a $400,000 home with 20% down at 2.75% vs 7% — you'd pay roughly $1,306/month vs $2,129/month. That's $823/month in savings, or $9,876 per year, or $296,280 over 30 years. The numbers are staggering.
Is the process complicated?
It can be — lenders move slowly and the process has unique steps. This is exactly why working with Kevin, a ROAM-certified specialist, is critical. He has done dozens of these transactions and knows every potential pitfall.
Can I assume a mortgage in Atlanta AND Florida?
Yes! Kevin serves Metro Atlanta, GA and all major Florida markets including Daytona Beach, Miami, Orlando, and Tampa. He can help you find assumable listings in both states.
Ready to Lock in a 2-3% Rate?
Kevin will search for assumable listings in your target area and walk you through the entire process — at no extra cost to you as a buyer.