VA Loan Assumption Intelligence

The 2.75% rate your buyer needs is already in your market.

VA loans originated 2020 to 2022 locked rates between 2.25% and 3.50% — and most homeowners don't know their loan is assumable. Assumption volume grew 628% in 2023. ExpiredEdge's 4-signal fusion identifies HIGHLY_ASSUMABLE properties before any competing agent has looked.

• 4-Signal Fusion — county deed VA indicators, MERS registration records, municipal tax exemption cross-reference, and Assumable.io data fused into a single classification.
• Rate Arbitrage Calculator — at 2.75% vs 5.75% on a $400K balance with 25 years remaining, the buyer saves $1,100/mo and $150K to $350K in lifetime interest.
• Non-Veteran Eligibility — non-veterans qualify to assume VA loans at a 0.5% funding fee, expanding your addressable buyer pool significantly.
• SCRA Compliance — active duty servicemembers auto-blocked from outreach per SCRA rules. All assumption outreach follows VA Circular 26-23-27 and the 45-day servicer approval window.