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hey there so today were going to talk about loan assumptions and how they may or may not be the right thing for our clients and for those who are going through a divorce situation where one party wants to stay in the property and the other party wants to leave the property so lets break that down and get into that in this video [Music] so what is a loan assumption well the short answer is basically its assuming the loan of the parties that are currently in the loan lets use an example you have a loan thats a 30-year note on a property and theres oh maybe 17 years left in the property or on the note that is and um its a 2.75 interest rate for 358 000 on the remaining balance well thats a pretty good Loan in todays market as of September 30th 2022 so if weve got a loan of 358 000 2.75 percent interest today you might be 6.8 interest rate and you might be a loan balance much higher than that you know maybe another 100 000 even just depends on where the property is that youre bu