'The mortgage cheat code': If you want lower interest rates, there's a little-known way to get them — if you qualify

Many US homeowners have loans with rates below 5% — and can sell those rates to homebuyers. Assumable mortgages are tricky, but they're an option.

https://www.businessinsider.com/how-to-get-lower-cost-effective-mortgage-rates-2023-12