RetroRate

10/20/2026

Mortgage rates jumped this fall, and Realtor.com put a number on it this yesterday morning. Someone who can spend $2,000 a month on a mortgage can now afford $22,000 less house than they could in late August.

There's a way around part of that most people have never heard of. If a seller has an FHA or VA loan, a qualified buyer can take it over at the seller's original rate, usually well under today's rates. You do need cash or a second loan to cover the difference between the price and what's left on the loan.

In San Antonio alone, about 1,600 homes for sale right now come with one of these loans. Finding them is what RetroRate does. Happy to answer questions in the comments.

Realtor.com's Market Clock report has the buying-power math. https://www.prnewswire.com/news-releases/realtorcom-market-clock-report-buyers-gain-ground-as-mortgage-rates-top-7-302911642.html

Our San Antonio numbers are here. https://www.retrorate.com/assumable-mortgages/texas/san-antonio

Assumable mortgage calculator for San Antonio, TX, plus how many homes here carry an assumable FHA or VA loan and what one saves a buyer each month.

10/18/2026

Some good news for anyone house hunting. Mortgage rates dipped about a quarter point this week, the best stretch we've had in a while. They're still around 7.4% though, and Fannie Mae expects them to stay near there through next year.

Something most people don't know is that some homes come with a much lower rate already attached. If the seller has an FHA or VA loan, a qualified buyer can take it over at the seller's original rate, often under 4%. The catch is you have to cover the difference between the price and what's left on the loan, with cash or a second loan.

Helping people find these homes is what RetroRate does. Happy to answer questions in the comments, or send this to someone who's shopping right now.

10/17/2026

There's a popular saying in real estate right now. Marry the house, date the rate. You buy the home you love and refinance once rates come down.

The trouble is rates are still around 7.4%, and NAR's chief economist said this week he doesn't see a major drop coming.

Something most people don't know is that FHA and VA mortgages can be taken over by the next buyer at the seller's old rate, often under 4%. About one in ten homes for sale with a mortgage has one of these special "assumable" loans.

If you know someone house hunting, send this their way. Happy to answer questions in the comments.

10/15/2026

Fun one this week. HousingWire interviewed RetroRate for their story on mortgage rates, which are stuck around 7.6%. (Ouch)

The part we care about most is that a lot of buyers are sitting on the sidelines waiting for rates to drop, when some homes for sale already come with a low rate attached. About one in ten homes for sale with a mortgage has an FHA or VA loan a buyer can take over at the seller's rate, often under 4%. You don't even have to be a veteran to take over a VA loan.

It isn't for everyone, since you still need to cover the gap between the price and the loan balance. But most people have never heard of it, and most listings never mention it.

If you know someone house hunting right now, send this their way. Happy to answer questions in the comments.

30-year conforming held at 7.63% Tuesday, FHA fell to 7.37% and jumbo dipped 10 bps to 7.75% as yields rose.

10/15/2026

05/19/2026

Roughly 1 in 10 homes on the market has an assumable loan (an FHA or VA mortgage a buyer can take over at the seller's old rate). In today's market that's real money. But the data is buried, so most buyers never find it.

We took that problem to the RESO 2026 Spring Conference, then filed a formal proposal to fix it. https://buff.ly/472su9m

Here's the story of where it stands.

We took the case for assumable loan standards to RESO. Here’s where it stands.

05/01/2026

Our RESO Spring Conference talk is now available as a replay. Assumable Loan Standards: A Key to Affordability. 15 minutes on why assumable inventory is invisible today, what the data shows, and how a RESO standard changes it for every MLS, vendor, broker, and agent at once.

Watch it here: https://buff.ly/Qdzz0Su

We're submitting the formal proposal and workgroup request to RESO next week. If you or your member organization wants to support the standard or help shape it, the seat is still yours.

Assumable Loan Standards A Key to Affordability - RESO 2026 Spring

03/26/2026

New! We've partnered with LERA MLS to bring assumable loan intelligence to one of the most active assumable markets in the country. San Antonio's military community means VA loans are everywhere, and right now there are nearly 1,500 VA and FHA assumable listings on the market. That's 8-10% of all active listings on any given day.

Most buyers have no idea these deals exist. That's where agents come in.

We're also launching Promoted and RetroRate Verified listing badges with this partnership. Promoted is free for any listing agent who advertises their assumable loan in public remarks. RetroRate Verified is a paid service for agents who want loan details confirmed fully before their first hot offer lands.

We dug into a full year of transaction data to understand what actually moves the needle. Assumable listings that signal across Public Remarks, Listing Terms, and Private Remarks close as assumptions one in four times. Listings that say nothing? Almost never.

Texas agents: your market is full of these deals. We're here to help you find them!

Full story from our CEO Andy Taylor:

Partnership brings RetroRate to LERA MLS subscribers

03/25/2026

A veteran in San Diego sold his home with a 4.125% VA loan. The buyer saved nearly $700 a month by assuming it instead of getting a new loan. The seller closed in 33 days and bought his next home without missing a beat.

That's what we're building toward. Our founder Andy Taylor sat down for a full interview this week. He also talks about why hustle culture is a trap and what it actually takes to build something people want to talk about.

Give it a read https://buff.ly/Zq9ShgY

Today, we’re interviewing Andy Taylor, the founder and CEO of RetroRate. After a long career in the Bay Area, including Redfin where he ran the product team, Andy started his first company, Approved, in the mortgage point of sale space while an Entrepreneur in Residence at the renowned VC firm, So...

11/10/2025

We just wrapped an incredible webinar with Homebot, and the message was clear:

The big players are winning on scale and automation. But there's a problem. Consumers are tired of being tracked, spammed, and sold.

Your competitive advantage?

- Privacy over spam
- Personalization over automation
- Payment-first thinking over sticker price

RetroRate helps you flag assumable loans that:

- Unlock inventory buyers thought was out of reach
- Save $500-$1,000/month in interest payments
- Give sellers a marketing edge they didn't know they had

While the giants optimize their funnels, you're building trust and real relationships.

Get the full breakdown and replay here:

Big platforms win on scale. You win on trust. RetroRate helps agents compete with privacy-first search and assumable loan intelligence.