Lock in a mortgage rate as low as 2%
Assumable mortgages let you take over a seller's existing loan. That means their killer rate from 2020 or 2021 becomes your rate. No time machine needed.
The average assumable rate in our Colorado listings is 3.38%. That's saving buyers an average of $818/month compared to today's rates.
Top Savings in Colorado
These listings have the biggest gap between the assumable rate and today's market rate. The savings are real.
$2,500,000
549 Mohawk Hts, Florissant, CO 80816
$2,070,000
263 Rossum Dr, Loveland, CO 80537
$2,199,999
2120 Lee Circle Dr, Woodland Park, CO 80863
$2,150,000
26 Hutton Ln, Colorado Springs, CO 80906
$1,985,000
11970 Silver Concho Trl, Elbert, CO 80106
$1,989,000
13640 Winslow Dr, Colorado Springs, CO 80908
How It Works
Three steps. That's it. We handle the complicated parts so you can focus on finding your next home.
Get Pre-Screened
Our partner UMe qualifies you to make sure you're eligible to assume a loan. Quick process, and you'll know your buying power right away.
Shop for Low-Rate Homes
Browse 1,100+ Colorado properties with assumable rates between 2% and 4%. Filter by price, location, beds, and more. Run the numbers on every listing.
Close on Your Home
UMe handles the entire assumption process. They've built exclusive relationships with servicers and know how to push it through. Typical close in 45-90 days.
Why Assumable Mortgages Are a Big Deal
It's pretty simple math. Lower rate = lower payment = more money in your pocket.
Rates as Low as 2%
We're talking about rates that were locked in during 2020 and 2021. You can reach back in time and grab those rates today. No refinancing needed.
Lower Closing Costs
Skip the origination fees, often skip the appraisal too. Assumptions have fewer closing costs than a new mortgage. More money stays in your pocket.
Built-In Equity
Thousands in interest have already been paid on these loans. More of your payment goes straight to principal from day one. You're not starting from scratch.
A Win for Everyone
For Buyers
Cut your monthly payment by 30-50% compared to today's rates. On a $450K home, that could be $1,000+ per month back in your pocket. What would you do with an extra $12K a year?
Browse homes →For Sellers
Your low-rate mortgage is your biggest marketing tool. It opens the door to more qualified buyers and often results in higher sale prices. That's a pretty sweet position to be in.
Seller resources →For Investors
Grow your portfolio with below-market financing. A 2.75% rate on a rental property changes the entire cash flow picture. I've built my own portfolio this way.
Investor strategies →Frequently Asked Questions
I get asked these all the time. Here are the straight answers.
Ready to Lock In a Rate From the Past?
We're Marty McFlying those rates. Time traveling to 2020, grabbing a 2.5% rate, coming back to the future. Let me show you what's possible.