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Pat Lane
Not all agents are the same! To see why I am an expert, call me at 662.338.0004.




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Real Estate Tips
Financing Your Home >Assuming a Mortgage

You may be able to assume the seller's mortgage liability when buying a house instead of having to apply for a new loan.

Assuming a loan could minimize your down payment or closing costs and get you a more advantageous interest rate. To know whether an assumption will work, find out the loan balance. If the balance is a small fraction of the purchase price, you will have to come up with a large down payment or get a second loan for the difference, unless the seller is willing to provide some of the financing. If the loan balance is high, the loan may have been made when interest rates were higher than they are today.

Most newer loans that are assumable have adjustable rates. If you are considering an assumption because of credit problems, you will need the lender's approval to make the transaction work.

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Real Estate Trivia
Q 
During what great land boom (1919) did investors pay up to $25,000 for lots that had not yet been dredged up from the ocean?

A 
The Florida Land Boom--Carl Fisher founded Miami Beach that year and brought hundreds of investors to the state.
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Pat Lane, REALTOR®, real estate agent and broker for Starkville, Columbus and Mississippi State Mississippi home listings, property and land for sale - NUMBER1EXPERT(tm)

Pat Lane
Coldwell Banker SRE Realtors

411 East Lampkin St.
Starkville, MS. 39759
Phone: 662-338-0004
Email: PatLane@PatLane.com


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