How to Find Homes with Assumable VA Loans in Southern California

Andrew Georgitsis
Jul 21
2 min read

Yes, You Can Still Find 2–3% Interest Rates — Here's How

📍 Introduction

You’ve probably heard about assumable VA loans — where a buyer takes over a seller’s existing low-interest mortgage. But how do you actually find those deals in SoCal?

They’re not always obvious — but with the right tools (and the right agent), they are absolutely out there.

🔎 What Is an Assumable VA Loan?

An assumable loan means you step into the seller’s shoes and take over:

Their existing loan balance
Their interest rate
Their loan terms (length, monthly payment)

✅ You avoid new high interest rates✅ You avoid a new VA funding fee✅ You often skip the appraisal and re-start costs

📍 Why They’re Hard to Spot

Most MLS platforms don’t let you search by “assumable” — and sellers/agents often don’t advertise it properly. You’ll need:

An agent who checks remarks and documents on every VA listing
Relationships with sellers or agents offering assumptions
Access to custom filtered reports — which we provide!

🧠 What to Look For

Sellers with existing VA loans from 2020–2022
Listings marked VA loan eligible
Properties with longer days on market (more flexible)
Agents who mention “assumable” in remarks or flyers
Sellers with low equity — more likely to allow assumption

🔧 How We Help You Find Them

✅ We run a custom MLS search just for VA assumption opportunities ✅ We contact listing agents to verify loan type + balance ✅ We calculate the equity gap so you know what upfront funds are needed ✅ We flag homes where assumption is likely — and worth it

💬 Final Thought

You don’t have to settle for 6–7% interest rates. With assumable VA loans, you can inherit a 2–3% rate — if you know where (and how) to look.

📞 Want us to send you a list of homes with assumable VA loans? We track them weekly — and will send you verified opportunities. 👉 Request an Assumable Homes List Or reply with your ideal location and price range — we’ll take care of the rest.