Buy the house. Keep their rate.
VA loan assumptions in Colorado Springs: what taking over a seller's low-rate loan actually saves against financing new, the process step by step, and how to push back when the servicer says no. One PDF, one email. No drip campaign, no follow-up unless you ask for it.
The guide most agents can't write.
- The math, run honestly.What assuming a 2.75% loan actually saves against a new loan at today's rates, on a real Colorado Springs example, for the buyer and the seller.
- The process, step by step.Six steps, 45 to 90 days, who does what, and the release of liability no seller should close without.
- The equity gap, solved.Cash, HELOCs, second mortgages, and blended-rate structures, with the exact questions to bring to a lender.
- When the servicer says no.Lender overlays, VA Circular 26-23-27, and the escalation path that actually gets a stalled file moving.
Colorado Springs has five military installations and tens of thousands of legacy low-rate VA loans sitting in the market. Most agents either don't know assumptions exist or can't explain them. I wrote this guide because the math is too good to stay buried in circulars. Read it. If you want to talk through an actual assumption, reply to the email. If you don't, you won't hear from me again.
Stuck file? Talk it through.
The guide covers the playbook. If your file is already stalled with a servicer, the fastest move is a conversation. Tell me where it stands and I'll tell you what I'd do next.
