Get paid for your low rate.

Include your low rate with your home and sell in 30 days, or Roam pays your mortgage.

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“We made $50K more by including our mortgage, and that made us excited to finally sell our home.”

Sasha H. | Atlanta, GA

Added profit

Your loan could make

$27,200

With Roam, you could make as much as $27,200 of additional sale proceeds by also selling your low-rate assumable mortgage.

1.80% interest rate

$400K home price • $340K loan balance

Sale profit

$60,000

Market

$87,200

Rapid sale

30-day offer guarantee

We guarantee that you’ll get a great offer for your home and assumable mortgage in 30 days, or we’ll cover your payments.

Week 1-3

List

Your Roam Agent lists your home and the assumable loan attracts 5X the offers.

Week 3-4

Contract

You accept an offer and your Roam Agent drafts the sale and loan paperwork.

Week 4-10

The sale is finalized, you are paid out, and your loan is transferred to the buyer.

“Our low rate made our home stand out in our area, and we sold above asking price in 30 days.”

Sandy A. | Frisco, TX

Over $500M homes sold.

Every 60 seconds, a homeowner finds out their loan’s payout value with Roam.

See my loan payout

Common
questions

Roam helps you sell your home and low-rate loan together, turning your mortgage into extra cash. Instead of leaving your low rate behind, you can sell it with your home, attract more buyers, and get paid $300-600 per month for years to come. We market your loan to attract buyers, handle the assumption process, and ensure you get paid simply and securely.

In today’s high-rate market, your low-rate mortgage is a powerful asset. Roam is the only company that lets you cash in on that value when you sell, helping you attract more buyers, sell faster, and earn ongoing monthly payments from your loan rather than leaving it behind.

Homes with low-rate loans stand out in today’s high-rate market. Lower monthly payments make your home more affordable, attracting more qualified buyers and driving stronger competition.

What’s the catch?

There isn’t one! Your buyer gets a home with a low-rate mortgage, and you unlock cash from your loan and equity.

Share your loan details with Roam to get your estimated loan payout. We’ll confirm eligibility, provide your estimated loan payout, and help you list your home and low-rate loan as soon as you’re ready.

Once Roam confirms your loan is assumable, we give you an agent to list your home, highlighting your low rate to attract more buyers. When you accept an offer, Roam manages the sale, loan assumption, and closing in 45 days or less. The buyer saves money by taking over your low-rate loan instead of getting a new mortgage at today’s higher rates, and a portion of those savings is passed along to you as monthly payments. The buyer enjoys lower costs, while you cash out on your low rate and get paid $300-600 a month for years to come.

Roam currently services assumable loans including FHA and VA, which represent about one third of the loans in the US. Roam will be expanding to service all loans in the coming months.

No. Roam gives you a top-performing agent who is certified in assumable loan transactions. Roam also provides the tools and support needed to highlight your low-rate loan and attract the right buyers to maximize your sale proceeds. If you already have an agent, and they agree to Roam’s referral terms, then we are happy to educate them and get to work selling your home.

Yes, this is still a conventional sale, plus your loan is transferred instead of ended. Your agent lists the home, you accept an offer, and closing happens within 45 days. The difference is that instead of giving up your low-rate loan, you get paid for it, subsidizing the cost of your next home and getting paid for years to come.