6M HOMES carry assumable mortgages under 5%

The low rates never left.
You just couldn't find them.

RateScout uses AI to scan every listing, match it against mortgage records, and surface homes where you can assume the seller's low-rate loan. Rates as low as 2%. No new mortgage needed.

6,000,000
Homes with assumable mortgages below 5%
6,000
Assumptions completed last year
$1,200+
Average monthly savings per buyer
How It Works

An AI that finds mortgage deals humans miss

01

Scans Every Listing

RateScout cross-references new real estate listings with public mortgage records to identify homes carrying FHA, VA, and USDA loans with below-market rates.

02

Calculates Your Savings

For each match, it computes your exact monthly savings versus a new mortgage at today's rates. Factors in remaining balance, term, and gap funding needs.

03

Alerts You First

Personalized notifications when a home matching your criteria hits the market. Including savings breakdown, assumption feasibility, and neighborhood data.

The Math

Same home. Wildly different payment.

New Mortgage (Today's Rates)
6.9%
$2,637/mo on $400K
30-year fixed. Standard closing costs. Full underwriting process. 30-45 day close.
Assumed Mortgage (Via RateScout)
2.8%
$1,316/mo on remaining balance
Take over the seller's existing low-rate FHA/VA loan. Same terms, same rate. Lower closing costs.
Monthly savings on this home $1,321/mo · $15,852/yr

The rate you wanted in 2021 is still out there, attached to someone else's house.

RateScout finds it for you before anyone else does.