Hello. I am a realtor Â® located in New Port Richey and yes... it does matter to lenders and will look at your credit to see if you are qualified.
One way to find out is if you are working with a realtor Â® ask him or her to look for it in the Multiple Listing Service (MLS) under "financing available." The seller will list "assumable mortgage" if they are offering it.
Or... for For Sale By Owner (FSBO) you can always ask the seller if they are offering it as an option.