Loading your page
4%
Loading your page
Author
Before founding Roots, he spent 10 years at some of the biggest brokerages in the country — negotiating deals, pricing homes, and learning exactly where the traditional process wastes sellers’ time and money. He has sold 170+ homes for more than $100M in volume and is a licensed real estate broker across 7 states. At Roots, he is focused on making assumable mortgages — and the low rates locked inside them — accessible to everyday buyers.
Articles
Take over a low rate someone already locked in. Here is how to find one.
Nope. Anyone who qualifies can. Here’s the 60-second version.
Probably not soon. Here is what large institutional forecasters expect, and how some buyers are skipping the wait.
Kevin Warsh’s first rate decision lands June 17. Expect no cut, and no quick relief for buyers waiting on cheap mortgages.
A buyer and seller both asked AI if their penthouse deal was fair. It told them to walk. The problem was not the deal. It was the prompt.
Two broke roommates, an air mattress, and a lesson about value hiding in plain sight.
Full-service listing, licensed broker, every major platform. We just cut the fee.
Oil nearly hit $120 a barrel this spring. Here is how a war on the other side of the world ends up in your monthly payment, and what just changed.
Congress passed the biggest housing bill in nearly 20 years. Most of it is policy noise. A few parts actually change how you buy.
Every way to search, compared. Only one shows the rate, downpayment, and monthly payment for free.
Yes. It’s called a mortgage assumption, and it’s legal. Here’s the short version.
Take over the seller’s low rate instead of getting a new loan.
What actually moves mortgage rates, and why relief keeps sliding.
The math lenders actually run, not the online calculator version.
How to market a 2.75% loan as your best selling feature.
Five upgrades with real proof they pay you back at resale.
What a standard inspection covers, and what you need to check yourself.
How agents find assumable loans and win rate-locked buyers.
Two loan types, two sets of rules. Here’s what changes when you assume each one.
Markets are split. Here is what a hike would mean for mortgage rates.
Freeze your rate while your loan closes and stop watching the market every day.
The right price gets offers. The wrong price gets longer days on market.
In warm markets yes, elsewhere it can cost more than it returns.
Most systems last 15 to 20 years. Here is how to tell when yours is done.
A two-minute script that answers every buyer’s first three questions.
The downpayment gap is the big number. Closing costs are usually lower than a new loan.
High rates slow buyers but low inventory keeps prices steady in most markets.
It depends on the loan. Conventional starts at 3%, FHA at 3.5%, VA at 0%.
Live rates, downpayments, and payments from every active assumable listing on Roots. Refreshed hourly.
Prices are near peak but buyer demand has slowed. Here is how to make the call.
Three methods lenders, buyers, and agents actually use.
Most tank heaters last 8 to 12 years. Here is how to check yours and what it costs.
The agents winning listings in the slowest market since 2008 are pitching the seller’s rate.
Typically 60 to 120 days, and the servicer controls the clock.
Sales fell to a pace not seen since the 2008 crash because buyers are priced out and sellers are locked in.
FHA starts at 580, conventional at 620, and VA has no official floor.
Most homes sell within 30 to 60 days of listing, then take 30 to 45 more to close.
On average, solar panels add about 4% to a home’s sale price, though the return varies by state.
Most asphalt shingle roofs last 20 to 30 years. Here is how to tell if yours is due.
The commission structure is the same. The timeline and paperwork are not.
When the rate gap is wide, the savings are real. Here is when assuming beats getting a new loan.
Low inventory keeps sellers in control in most U.S. cities right now.
Federal, state, and local programs can cut your downpayment to zero if you know where to look.
The repairs that kill deals if skipped, and the big-ticket redos you can leave alone.
Most finished basements return an estimated 71% of cost at resale. Here is when finishing pays.
Twice a year is the baseline. Here is when you need to go more often.
The channels that can carry an assumable listing, and where to check the ad rules first.
Yes. FHA and VA assumptions have lower credit bars than new loans. Here’s what servicers check.
The Fed raised rates September 16 for the first time in three years. Here is why mortgage rates moved too.
Rates are near 7% but sellers outnumber buyers by 58%. More inventory, more negotiating power.
Staged homes sell faster and often above asking. Here is when staging is worth the cost.
A minor kitchen refresh returns nearly its full cost at resale. A major gut job typically does not.
A few hours of fall prep can prevent thousands in winter damage.
Here is how buyer agents are finding clients who close even when rates are near 7%.
FHA and VA loans are assumable by law, and here is what sellers actually control in the process.
The gap between adjustable and fixed mortgage rates has nearly closed, and here is what that means for buyers.
No law requires one, but what they do is harder to skip than most buyers expect.
The contract is signed. Now the real work starts.
In most markets, a home without a garage sells below comparable homes that have one.