You should ask your lender about an assumable loan. This means that if you sell your house in the future, you can pass the loan to a qualified buyer. Typically, FHA loans are assumable.

The market conditions are great to buy a house right now. Interest rates have risen a little, but can still rise a lot more. If you have an assumable loan, you have the option to offer a qualified buyer today’s market conditions by giving them your low-rate mortgage along with your house.

An assumable loan can make your home easier to sell with more buyers and at a higher price in the future.

More information here:

http://www.bankrate.com/finance/mortgages/assumable-mortgage.aspx