RetroRate

RetroRate Don’t get a new loan - transfer a homeowner’s current loan into the buyer’s name.

We make it possible for real estate professionals and their clients to find, analyze, market and transact on homes with assumable loans.

Roughly 1 in 10 homes on the market has an assumable loan (an FHA or VA mortgage a buyer can take over at the seller's o...
05/19/2026

Roughly 1 in 10 homes on the market has an assumable loan (an FHA or VA mortgage a buyer can take over at the seller's old rate). In today's market that's real money. But the data is buried, so most buyers never find it.

We took that problem to the RESO 2026 Spring Conference, then filed a formal proposal to fix it. https://buff.ly/472su9m

Here's the story of where it stands.

We took the case for assumable loan standards to RESO. Here’s where it stands.

Our RESO Spring Conference talk is now available as a replay. Assumable Loan Standards: A Key to Affordability. 15 minut...
05/01/2026

Our RESO Spring Conference talk is now available as a replay. Assumable Loan Standards: A Key to Affordability. 15 minutes on why assumable inventory is invisible today, what the data shows, and how a RESO standard changes it for every MLS, vendor, broker, and agent at once.

Watch it here: https://buff.ly/Qdzz0Su

We're submitting the formal proposal and workgroup request to RESO next week. If you or your member organization wants to support the standard or help shape it, the seat is still yours.

Assumable Loan Standards A Key to Affordability - RESO 2026 Spring

New! We've partnered with LERA MLS to bring assumable loan intelligence to one of the most active assumable markets in t...
03/26/2026

New! We've partnered with LERA MLS to bring assumable loan intelligence to one of the most active assumable markets in the country. San Antonio's military community means VA loans are everywhere, and right now there are nearly 1,500 VA and FHA assumable listings on the market. That's 8-10% of all active listings on any given day.

Most buyers have no idea these deals exist. That's where agents come in.

We're also launching Promoted and RetroRate Verified listing badges with this partnership. Promoted is free for any listing agent who advertises their assumable loan in public remarks. RetroRate Verified is a paid service for agents who want loan details confirmed fully before their first hot offer lands.

We dug into a full year of transaction data to understand what actually moves the needle. Assumable listings that signal across Public Remarks, Listing Terms, and Private Remarks close as assumptions one in four times. Listings that say nothing? Almost never.

Texas agents: your market is full of these deals. We're here to help you find them!

Full story from our CEO Andy Taylor:

Partnership brings RetroRate to LERA MLS subscribers

A veteran in San Diego sold his home with a 4.125% VA loan. The buyer saved nearly $700 a month by assuming it instead o...
03/25/2026

A veteran in San Diego sold his home with a 4.125% VA loan. The buyer saved nearly $700 a month by assuming it instead of getting a new loan. The seller closed in 33 days and bought his next home without missing a beat.

That's what we're building toward. Our founder Andy Taylor sat down for a full interview this week. He also talks about why hustle culture is a trap and what it actually takes to build something people want to talk about.

Give it a read https://buff.ly/Zq9ShgY

Today, we’re interviewing Andy Taylor, the founder and CEO of RetroRate. After a long career in the Bay Area, including Redfin where he ran the product team, Andy started his first company, Approved, in the mortgage point of sale space while an Entrepreneur in Residence at the renowned VC firm, So...

We just wrapped an incredible webinar with Homebot, and the message was clear:The big players are winning on scale and a...
11/10/2025

We just wrapped an incredible webinar with Homebot, and the message was clear:

The big players are winning on scale and automation. But there's a problem. Consumers are tired of being tracked, spammed, and sold.

Your competitive advantage?

- Privacy over spam
- Personalization over automation
- Payment-first thinking over sticker price

RetroRate helps you flag assumable loans that:

- Unlock inventory buyers thought was out of reach
- Save $500-$1,000/month in interest payments
- Give sellers a marketing edge they didn't know they had

While the giants optimize their funnels, you're building trust and real relationships.

Get the full breakdown and replay here:

Big platforms win on scale. You win on trust. RetroRate helps agents compete with privacy-first search and assumable loan intelligence.

Big news from RetroRate!We're proud to announce our partnership with BeachesMLS, making them the first and only MLS in t...
10/21/2025

Big news from RetroRate!

We're proud to announce our partnership with BeachesMLS, making them the first and only MLS in the country to integrate assumable loan intelligence directly into their platform.

Read more: https://buff.ly/5QuWIPw

Here's why this matters: Thousands of active listings have assumable loans, mortgages that buyers can take over at rates as low as 2%, 3%, or 4%. These loans can save buyers hundreds of thousands of dollars, but they've been invisible until now.

Today, 43,000+ BeachesMLS agents can identify these loans right in the MLS, the system they already use every day. No extra steps, no complicated searches. For the first time ever, assumable loan data is being flagged automatically as listings are entered into the MLS.

At a time of record unaffordability, this partnership is shining a spotlight on one of the most underutilized tools for solving the housing crisis, and doing it in a way that's never been done before.

Partnership brings RetroRate to BeachesMLS subscribers

Excited to share our conversation with Greg Robertson on his Listing Bits podcast. Listen in: https://buff.ly/cK6vrWE We...
09/29/2025

Excited to share our conversation with Greg Robertson on his Listing Bits podcast.

Listen in: https://buff.ly/cK6vrWE

We share:

- The journey from Redfin to building RetroRate.
- How assumable loans can save buyers thousands with lower rates.
- Why 22–25% of homes with a loan are assumable, but aren't marketed that way.
- How RetroRate’s tools make these loans easier to find and use.
- What MLS, Brokers, and Agents can do to empower clients to sell faster and save.

Greg Robertson sits down with Andy Taylor and Greg Fischer from RetroRate to discuss assumable loans and their potential to reshape real estate transactions. They explore the history and career paths of both founders, the challenges of discoverability in MLSs, and how RetroRate aims to make assumabl...

The housing market is stuck, and waiting for the Fed to play savior is a losing bet. At the Digital Mortgage Conference,...
09/24/2025

The housing market is stuck, and waiting for the Fed to play savior is a losing bet. At the Digital Mortgage Conference, our CEO Andy Taylor’s keynote broke down why and offered a smarter way forward. RetroRate’s latest blog dives into his insights, showing how to outsmart high rates and a frozen market.

Check it out: https://buff.ly/Rc1hkeK

Here’s what Andy covered: High rates are crushing buyer power by $150K and locking sellers into yesterday’s low-rate loans. Banking on Federal Reserve cuts is futile, as they often push mortgage rates higher. Assumable loans are the retro fix, letting buyers snag rates as low as 2.5% to unlock a trove of hidden inventory. Yet the industry’s hitting snooze, with understaffed servicers and agents missing these deals.

RetroRate flips the script and shines a light on these listings where others overlook them.

Push Rewind on Assumable Loans

Thank you USA TODAY for the spotlight!Read the coverage: https://buff.ly/oSf6lOK Our new VHS Chrome Extension shows assu...
07/22/2025

Thank you USA TODAY for the spotlight!

Read the coverage: https://buff.ly/oSf6lOK

Our new VHS Chrome Extension shows assumable loans right on Redfin, Zillow, and realtor, helping buyers snag low 2-4% rates, while empowering sellers to market their home’s loan.

USA TODAY highlights how RetroRate uncovers these hidden savings of hundreds, or even thousands per month, and streamlines the process for buyers, sellers, and agents.

What was once nearly impossible (finding assumable listings online) is now just a click away with RetroRate VHS. Download from the Google Web Store. Link in the comments!

A new company offers a software tool that allows buyers and agents to find sellers with low-rate mortgages that can be transferred.

Exciting News for Home Buyers & Sellers! Introducing RetroRate VHS: View Home Savings, our new Chrome Extension that bri...
07/22/2025

Exciting News for Home Buyers & Sellers! Introducing RetroRate VHS: View Home Savings, our new Chrome Extension that brings assumable loan data to your favorite real estate sites like Redfin, Zillow, and realtor.

Read more: https://buff.ly/CuAuBS3

Imagine snagging a 2.5%, 3%, or 4% loan rate on your dream home. With RetroRate VHS, you’ll instantly see if a home has an assumable loan, complete with our exclusive RetroMatch score to show you how great the deal is. No more guesswork. We crunch the numbers for you.

How it works: Install the extension, browse homes as usual, and see assumable loan details right on the page. Found a gem? Invite your agent and let our RetroRate Concierge guide you through the process. It’s that easy.

Our mission? Make assumable loans accessible to everyone, so more people can save big and get into their dream home.

Download RetroRate VHS today. Let us know what you think!

Assumable loan data on all your favorite real estate sites.

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