@ownwithsam: Zero down. 3.25% on a $550k home. The previous owner had already been paying this mortgage for six years before I ever stepped in. I picked up where they left off with equity already sitting there from day one and 24 years remaining instead of 30. The way this works is by taking over the mortgage subject to the existing loan. The seller's mortgage stays exactly where it is in their name and you take over the payments directly. You get the deed. You become the owner without walking into a bank, filling out a single application, or putting a dollar down. Seven months ago no bank was offering 3.25%. But this mortgage already existed on this property and knowing how to step into it meant getting a rate and a deal that the traditional system could never have made possible. #realestate #homeownership #firsttimebuyer #creativefinance

Samuel G

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Region: US

Monday 27 July 2026 21:55:41 GMT