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home affordability is becoming one of the hottest topics in the economy but i was recently asked if assumable mortgages might bring some relief to home buyers with skyrocketing home prices the steep rise in mortgage interest rates and soaring rents todays shelter seeker can find no respite from todays higher cost the continued lack of inventory of homes for sale and homes for rents means that we must anticipate prices and rents continuing higher but if we could just only use interest rates from a few years ago by assuming a mortgage todays home affordability levels would be tolerable for example with a recent rate spike pushing above six percent how exciting would it be to find a home with a 2.25 percent assumable loan considering todays rate is more than double those from recent past years the assumable loan could have relevance again for the first time in over 30 years for some buyers it could be possible to use a mortgage assumption to reduce the cost of borrowing money on the n