3% Interest Rates in 2026?! The Hidden Mortgage Hack No One’s Talking About (FHA, VA & Wraps)
Автор: Premier Real Estate Partners
Загружено: 2026-01-12
Просмотров: 28
Описание:
In this video, we break down how assuming FHA and VA loans and using wraps on conventional mortgages can let you step into 3%–ish interest rates that sellers locked in during 2020–2022. You’ll see how to structure deals, what down payment is needed, and why this window of opportunity shrinks as equity grows over the next 5–7 years.
What you’ll learn
How FHA loan assumptions work, including owner-occupant rules and riding the loan for the full 30 years.
How to assume VA loans as a veteran or non-VA buyer, and what “swapping entitlements” means for the seller’s future buying power.
What a “wrap” is on a conventional loan, including real estate contracts, balloon payments, and how this resembles a rent-to-own structure.
The risk of due-on-sale clauses and why proper structuring keeps both you and the seller protected.
Why low-equity sellers from 2020–2022 create a unique window for creative financing before gaps in equity become too large.
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