For many homeowners, their low-rate mortgage has become a pair golden handcuffs. It keeps monthly payments low, but it also keeps them stuck in place. That’s why families stay in houses they’ve outgrown and workers pass on better opportunities in new cities: because selling their home means losing the value of their low rate.

Roam is changing that. Now homeowners can capitalize on their low-rate mortgage when selling their home, unlocking mobility and monthly income for years to come.

Get paid for your low rate

Until now, selling your home meant walking away from the value of your low-rate mortgage. But with Roam, homeowners can sell their low rate as a premium feature of their home, and make $300-600 every month for years to come. That's over $30,000 just for selling their loan instead of leaving it behind.

How it works

• You list your home through Roam. Your low rate attracts 3× more offers, helping you sell in 15 days and close in 45 days.
• You sell your home. Roam handles the sale and the loan transfer to the buyer, making the process easy and risk-free.
• You get paid monthly. For 60 months, you share in the buyer’s payment savings and receive $300–600+ every month.

In a representative scenario:

• A seller has a home with a $400,000 balance at 3% interest rate.
• Compared to today’s 6.5% rate, that’s ~$804 savings per month.
• The seller gets paid about $400/month, totaling about $25,000.

Why everyone wins

• Sellers can finally get off the sidelines and unlock the dormant value of their low rates instead of leaving it behind.
• Buyers get access to homes that include below-market rates, increasing their buying power by over $100,000.
• Markets unfreeze as more inventory becomes available.

Get started

Sell smarter. Monetize your low rate mortgage with your home and get paid for years to come. See how: Calculate your loan payout