Sell your
home + loan

Get over 5% more for your home by letting buyers take over your low-rate loan.
100% free for homeowners ∙ No future liability
4.9 rating on Google
"Low-rate mortgages that home buyers can take over from sellers — are making a comeback."
"Startup hopes to make home buying more affordable with assumable mortgages."
"A 3% mortgage rate in a 7% world? This startup says it can do that."
"Most homes on the market have a mortgage rate of 5% or lower — they could be as low as 2%."
"Startup helps homebuyers 'wind back the clock' to secure better mortgage rates."
"Low-rate mortgages that home buyers can take over from sellers — are making a comeback."
"Startup hopes to make home buying more affordable with assumable mortgages."
"A 3% mortgage rate in a 7% world? This startup says it can do that."
"Most homes on the market have a mortgage rate of 5% or lower — they could be as low as 2%."
"Startup helps homebuyers 'wind back the clock' to secure better mortgage rates."
"Low-rate mortgages that home buyers can take over from sellers — are making a comeback."
"Startup hopes to make home buying more affordable with assumable mortgages."
"A 3% mortgage rate in a 7% world? This startup says it can do that."
"Most homes on the market have a mortgage rate of 5% or lower — they could be as low as 2%."
"Startup helps homebuyers 'wind back the clock' to secure better mortgage rates."

Same sale. More buyers

Package your low-rate mortgage with your home and get 30% more buyer inquiries.

Get a Roam agent

Work with a top local agent experienced in assumable mortgages.

Attract more buyers

Letting buyers take over your low rate can boost buyer inquiries by over 30%.

Transfer your loan

We handle the loan transfer at closing, and you walk away with no liability.

Free consultation ∙ No commitment

"Homes that come with a low-rate mortgage, which can be transferred from the existing homeowner to a new home buyer, are making a comeback."

Make $40,800 more profit

When you include your 1.80% loan with
25 years left on a $600K home.
1.80% rate
Free estimate ∙ No commitment
Estimated sale profit
$90,000
$130,800
Market
Free estimate ∙ No commitment
5,611 happy sellers
4.9 rating on Google
The idea is sound, to assume an existing loan, especially loans established 2020-2022! These guys are experts at the process. They will guide you all the way to closing.
Greg Stroud
10 days ago
As a Professional Real Estate Advisor, Roam has helped me find and secure affordable financing options for my Buyer clients in an often unaffordable market. They’ve been an invaluable resource to me…assisting in saving my clients 10s of 1000s and sometimes 100s of 1000s of dollars in interest. When I’m representing home Sellers that have an assumable mortgage, Roam helps me market the value of the Seller’s low rate to Buyers looking for that savings! Whether my clients are wanting to buy, sell, or invest - Roam has always been professional and knowledgeable and they partner with me to truly find solutions that are in my client’s best interests.
Johnna Hall
4 days ago
I’ve been in real estate for 10+ years and have closed many deals using this service and fighting the federal assumption guidelines! I couldn’t recommend it more. Having worked with a wide range of buyer incentives and loan programs, I can say without hesitation that securing a low interest mortgage is the most impactful financial decision a buyer can make.
Andre Guillory
6 days ago
Roam is a game-changer in today’s market where interest rates remain elevated. As a Realtor, I’m always looking for real solutions that truly help my buyers and investors move forward, and Roam does exactly that. Their assumable mortgage platform creates more opportunities for buyers to enter the market while also giving sellers a powerful value-add when they can offer an assumable loan. Their process is simple, streamlined, and easy to understand, which allows me to utilize Roam as a solution to my clients.
Rachel Allen
12 days ago
ROAM is great for both sellers and buyers! They provide so much value for those interested in loan assumptions.
Mia Capen
9 days ago
Great company. Great opportunities.
Joe Homs
8 days ago
The idea is sound, to assume an existing loan, especially loans established 2020-2022! These guys are experts at the process. They will guide you all the way to closing.
Greg Stroud
10 days ago
As a Professional Real Estate Advisor, Roam has helped me find and secure affordable financing options for my Buyer clients in an often unaffordable market. They’ve been an invaluable resource to me…assisting in saving my clients 10s of 1000s and sometimes 100s of 1000s of dollars in interest. When I’m representing home Sellers that have an assumable mortgage, Roam helps me market the value of the Seller’s low rate to Buyers looking for that savings! Whether my clients are wanting to buy, sell, or invest - Roam has always been professional and knowledgeable and they partner with me to truly find solutions that are in my client’s best interests.
Johnna Hall
4 days ago
I’ve been in real estate for 10+ years and have closed many deals using this service and fighting the federal assumption guidelines! I couldn’t recommend it more. Having worked with a wide range of buyer incentives and loan programs, I can say without hesitation that securing a low interest mortgage is the most impactful financial decision a buyer can make.
Andre Guillory
6 days ago
Roam is a game-changer in today’s market where interest rates remain elevated. As a Realtor, I’m always looking for real solutions that truly help my buyers and investors move forward, and Roam does exactly that. Their assumable mortgage platform creates more opportunities for buyers to enter the market while also giving sellers a powerful value-add when they can offer an assumable loan. Their process is simple, streamlined, and easy to understand, which allows me to utilize Roam as a solution to my clients.
Rachel Allen
12 days ago
ROAM is great for both sellers and buyers! They provide so much value for those interested in loan assumptions.
Mia Capen
9 days ago
Great company. Great opportunities.
Joe Homs
8 days ago
The idea is sound, to assume an existing loan, especially loans established 2020-2022! These guys are experts at the process. They will guide you all the way to closing.
Greg Stroud
10 days ago
As a Professional Real Estate Advisor, Roam has helped me find and secure affordable financing options for my Buyer clients in an often unaffordable market. They’ve been an invaluable resource to me…assisting in saving my clients 10s of 1000s and sometimes 100s of 1000s of dollars in interest. When I’m representing home Sellers that have an assumable mortgage, Roam helps me market the value of the Seller’s low rate to Buyers looking for that savings! Whether my clients are wanting to buy, sell, or invest - Roam has always been professional and knowledgeable and they partner with me to truly find solutions that are in my client’s best interests.
Johnna Hall
4 days ago
I’ve been in real estate for 10+ years and have closed many deals using this service and fighting the federal assumption guidelines! I couldn’t recommend it more. Having worked with a wide range of buyer incentives and loan programs, I can say without hesitation that securing a low interest mortgage is the most impactful financial decision a buyer can make.
Andre Guillory
6 days ago
Roam is a game-changer in today’s market where interest rates remain elevated. As a Realtor, I’m always looking for real solutions that truly help my buyers and investors move forward, and Roam does exactly that. Their assumable mortgage platform creates more opportunities for buyers to enter the market while also giving sellers a powerful value-add when they can offer an assumable loan. Their process is simple, streamlined, and easy to understand, which allows me to utilize Roam as a solution to my clients.
Rachel Allen
12 days ago
ROAM is great for both sellers and buyers! They provide so much value for those interested in loan assumptions.
Mia Capen
9 days ago
Great company. Great opportunities.
Joe Homs
8 days ago
“A 3% mortgage rate in a 7% world? This startup says it can do that.”
Read article

Frequently
asked
questions

Roam helps you sell your home and low-rate loan together, turning your mortgage into extra cash by selling your home for 5% above market in as little as 30 days, guaranteed. We market your loan to attract qualified buyers, handle the assumption process, and ensure you get to walk away from your home without walking away from the value of your loan.

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 and sell faster, guaranteed.

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.

There isn’t one! Your buyer gets a home with a low-rate mortgage, and you capture more value from your home and loan.

Share your loan details with Roam to get your estimated loan payout. We’ll confirm eligibility, provide your estimated added sale proceeds, 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. The buyer saves money by taking over your low-rate loan instead of getting a new mortgage at today’s higher rates, and those savings translate into a higher sale price for you.

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 specializes in these 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.

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Assumable loan? See your value