The 3% mortgage is not dead. It's just hidden.
When you work with us, you'll unlock a path to homeownership that ignores today's market rates. We specialize in finding and closing on Utah homes using interest rate buy-downs and assumable low-rate government loans.
Bridging the Rate Gap
When you assume a loan, you take over the seller's existing interest rate. On a $400k home, that's over $900 saved per month — every month, for the remaining term.
A different way to buy.
Traditional buying is broken. Assumptions are the unlock.
Source the Asset
We hunt for FHA and VA loans across Utah that are eligible for assumption. Most agents don't know where to look.
Solve the Gap
When the sale price exceeds the loan balance, we structure creative secondary financing — HELOCs, seller carrybacks, second-position notes — without losing the low rate.
The Transfer
Our specialized loan officers manage the servicer paperwork end-to-end, fighting the wrongful denials and document-expiration black holes that kill most assumption deals.
The Mortgage Assumption Team
Assumption transactions fail because standard real estate teams don't understand the nuance. We've built a specialized partnership between brokerage and lending to solve the Utah assumption puzzle — together, every time.
Andrew Hasser, Better Path Realty
Licensed Real Estate Agent, Strategic acquisition & negotiation
Deborah Kraft, Kraft Mortgage
Licensed Mortgage Broker, Assumption Gap Financing Expert
Myths vs. Facts
Only veterans can assume a VA loan.
Civilians can assume VA loans. The seller's entitlement stays tied to the home until paid off or substituted.
You can't get a second mortgage on an assumption.
HELOCs and second-position notes are common gap-financing tools (capped around 90% CLTV by most servicers).
Servicers can refuse to allow an assumption.
VA and FHA loans are assumable by law. Servicers can only deny on buyer creditworthiness — not preference.
Assumptions close faster because the loan already exists.
They're slower: 60–120 days vs. 30 for a traditional close. Worth it for a 3% rate.