San Diego Homes With 2 to 3 Percent Mortgages, Assumable Mortgages
SAN DIEGO REAL ESTATE | NOVEMBER 2026
San Diego Homes With 2%–3% Mortgages? YES, They Exist!
PLUS: How to Use the SELLER'S MONEY to Lower Your Mortgage Payment!
Most San Diego homebuyers look at the same homes, accept today's mortgage rates, and hope for a small discount.
What if there's a better way to buy? Some of the biggest opportunities are hiding in plain sight.
STOP CHASING HOMES. START NEGOTIATING WITH MOTIVATED SELLERS!
I'm talking about sellers who may be READY TO DEAL:
- Homes Sitting on the Market: Owners who may be ready to negotiate.
- Vacant Homes: Every month can mean more carrying costs.
- Big Price Reductions: A sign the seller may be flexible.
- Probate & Estate Sales: Opportunities to negotiate price and terms.
- Distressed & Fixer Homes: Potential value other buyers overlook.
- Off-Market Homes: Opportunities beyond the usual listings.
- Assumable Mortgages: Certain existing loans with rates in the 2%–3% range.
WANT THE DEALS? TEXT "DEALS" TO GEORGE!
Tell me your area, budget and when you want to move. I'll help identify homes worth a closer look.
TEXT DEALS: 619-846-1244WATCH: HOW TO FIND SAN DIEGO HOME DEALS
Watch my quick video, then tell me what kind of home you want to buy.
1. GET A 2%–3% MORTGAGE ON A SAN DIEGO HOME!
YES! Some San Diego homes still have mortgages with rates this low!
Imagine taking over a seller's existing 2.5%, 2.75%, or 3% mortgage instead of starting with an entirely new loan at current market rates.
With certain FHA and VA assumable mortgages, a qualified buyer may be able to take over the existing loan and potentially save thousands in interest over time.
Don't have enough cash to cover the gap? In some cases, secondary financing may help cover the difference between the remaining loan balance and the purchase price.
Assumption requires approval, applicable eligibility, and a way to fund the equity gap. An advertised low rate applies to the assumed loan balance, not automatically to any additional financing.
2. USE THE SELLER'S MONEY TO GET A LOWER MORTGAGE RATE!
Why pay for a lower mortgage rate yourself when you may be able to get the SELLER to pay for it?
Here's one of my favorite strategies: find motivated sellers and negotiate seller-paid closing costs that can be applied toward an eligible mortgage-rate buydown.
IMAGINE THE POSSIBILITIES:
- $14,000 OR MORE in potential seller-paid closing-cost assistance!
- $222–$518 PER MONTH in illustrative mortgage-payment savings!
- AN INITIAL RATE IN THE 5% RANGE if available through qualifying financing and negotiated concessions!
It's not just about negotiating the price DOWN. It's about getting your monthly payment DOWN.
I'll help you compare a price reduction, seller-paid closing costs, and temporary or permanent rate buydowns with a lender, so you can see which offer structure makes the most sense.
3. FIND SELLERS WHO WANT TO MAKE A DEAL—NOW!
The best deal isn't always the lowest-priced home. It's often the home with the most motivated seller.
With more than 1,200 successful client closings, I know how to help buyers spot negotiating opportunities, evaluate property values, and structure offers.
Don't settle for searching the same homes as everyone else. Ask me about recent reductions, overlooked listings, unlisted opportunities, assumable financing, and seller-paid buydowns.
START WITH HOMES THAT FIT YOUR PLAN
Explore these San Diego home searches. See a home you like? Text me the address at 619-846-1244 and I'll help you check its price, seller motivation, and showing options.
Homes in the Poway Unified Area ›
Homes Along the 56 Corridor & Nearby ›
Del Mar, Solana Beach, Cardiff & Encinitas ›
Search results and availability change. School assignments and age-restricted community rules should be confirmed independently.
WANT TO SEE THE BEST SAN DIEGO HOME DEALS?
TEXT "DEALS" TO 619-846-1244!
Tell me your AREA, BUDGET and TIMELINE. I'll help find potential 2%–3% assumable mortgages, motivated sellers, price reductions, and off-market opportunities.
TEXT ME DEALS CALL GEORGEReading this in an email? Just reply DEALS.
NEED TO SELL YOUR CURRENT HOME FIRST?
You may not need to sell before you buy! Ask me about the Buy Before You Sell and Trade-In Cash Offer programs.*
Want to compare your home's market value with a cash offer? Explore both options before making your next move.
GET INSTANT HOME VALUE EXPLORE CASH OFFER BOOK A STRATEGY CALL
The deals don't come to you. You have to know where to look—and how to negotiate them.
Let's find yours!
George Lorimer
1,200+ Successful Client Closings
ProWest Properties | DRE# 01146839
Call/Text 619-846-1244
GeorgeLorimer.com
*Conditions apply. Assumable mortgages require approval and buyer qualification; buyers must fund the gap between the existing loan balance and purchase price. Secondary financing may not be available. Seller concessions and rate buydowns require seller agreement and must comply with loan program rules. The $14,000 and $222–$518 figures are illustrative possibilities, not market averages or guaranteed savings. Any initial 5%-range rate depends on actual lender pricing and program eligibility; temporary buydowns expire, after which the payment increases. Programs, terms and inventory are subject to change. No property is guaranteed to be available or negotiable.