How To Lower Your Mortgage Rate With Assumable Loans in Arizona

By Dave Zajdzinski

Dave Zajdzinski and the team bring 40 + years of real estate experience to home buyers and sellers throughout Arizona.

Can you buy a home with a mortgage rate of 3% to 4% in 2025? This sounds like wishful thinking in today’s market, where rates are eating into buying power and cash flow, but in Arizona, it’s still possible. Nearly 400 properties listed on the MLS are being advertised with assumable mortgages, some requiring qualification, others not.

I’ve seen firsthand how powerful this can be, and I want to share what happened when I used one myself.

The advantage of using an assumable loan. I recently purchased a property this way. I paid a little more for it, but I was able to assume a 3.25% mortgage rate. That one decision completely changed the numbers.

Because the mortgage rate was so much lower, my monthly payment ended up being about half of what it would have been at today’s rates. Those savings turned the property into a highly cash-flowing rental and made the investment profitable from day one.

You can also secure a mortgage with a rate of 3% to 4%. Book a call with me so I can show you which properties you qualify for and walk you through the process. If there’s something you want to buy, this may be one of the best deals available right now.

These opportunities don’t last long, and having the right guidance can make all the difference.

Don’t let high payments stop you from investing. If you have questions about how assumable mortgages work or which properties may qualify, reach out at (480) 332-6468 or send an email to dave@zteamaz.com. I’ll show you how to secure an assumable mortgage that works in today’s market.