In this episode, we break down assumable mortgages and how buyers can lock low interest rates in 2026 by taking over an existing home loan. We cover how assumable loans work, who qualifies, the risks, and how buyers can save on interest and closing costs. You’ll also learn why this strategy is trending again in the 2025–2026 real estate market and how it could help reduce foreclosures.
To explore how assumable mortgages work in practice, we sat down with Christopher Tapia, Principal of Tapia Group with Compass, at Compass headquarters in Boca Raton, Florida. Our discussion focused on how these loans are being used today, who qualifies, and how they may influence distressed sales and foreclosure outcomes.
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