… but RESAs Use Them to Close More Deals & Serve More Clients!
In today’s market, it’s not enough to just show homes or quote rates. Clients want solutions—and often, the best ones are programs they’ve never even heard of.
Unfortunately, many real estate agents and loan officers simply don’t know these tools exist… or they don’t offer them because they can’t get paid on them.
At RESA, we do things differently. Our agents are trained and empowered to bring every possible option to the table—not just the convenient ones.
Here are 5 loan programs that most agents ignore… but that a Real Estate Strategy Agent (RESA) uses to help their clients win.
1. FHA Assumable Loans
Most agents don’t realize this still exists—let alone how powerful it is.
- ✅ Buyers can take over a seller’s low-rate mortgage (sometimes under 3%)
- ✅ Huge monthly savings
- ✅ Great marketing tool for sellers
- ✅ RESAs know how to structure and present these options to create instant leverage
2. VA Assumable Loans (for Non-Veterans Too)
Most think VA loans can only be assumed by other veterans. Not true.
- ✅ Civilians can assume VA loans in many cases
- ✅ Huge opportunity for buyers priced out of new loan rates
- ✅ RESAs understand the lender approval process and how to make it work
3. Reverse Mortgage for Purchase (H4P)
A game-changer for retirees and downsizers.
- ✅ Buy a home with NO required monthly mortgage payments
- ✅ Use home equity as leverage
- ✅ Often overlooked or misunderstood by most agents and lenders
- ✅ RESAs educate and lead this process with compassion and precision
4. Down Payment Assistance (DPA) Programs
So many buyers give up because they think they need 20% down.
- ✅ DPA can help buyers get in with little to no money out of pocket
- ✅ Many lenders avoid DPA because it’s “extra paperwork”—not RESAs
- ✅ RESAs are taught which programs actually work—and which to avoid
5. Non-QM Lending Options
Perfect for entrepreneurs, investors, or non-traditional buyers.
- ✅ Bank statement loans, DSCR loans, asset-based programs
- ✅ Flexibility for clients who don’t “fit the box”
- ✅ RESAs can guide clients through the nuance and win where others fail
The Final Word:
Clients don’t just want a transaction—they want a strategist.
That’s why RESAs are different. We don’t chase deals. We create them. And that starts with having access to the tools, programs, and partners that most professionals don’t even talk about.