A lot of buyers find a rate in the twos and then talk themselves out of it over a credit myth. Ryan clears it up fast. When you assume a mortgage you are not inheriting the seller's credit history, their late payments, or any of their baggage. The loan transfers into your name as a brand new account dated from the day you close. He walks through the only two moments that actually touch your credit, the soft pull at pre-qualification which costs you zero points, and the hard pull at closing which drops your score a few points and bounces back within a couple months. He also covers something most buyers miss: because the assumed payment is so much lower than a conventional loan, your debt-to-income ratio improves, which means more buying power on your next purchase. Jeremy's story drives it home. Nervous about his credit going in, his score ended up higher three months after closing than when he started. Ryan also gives buyers one simple rule to protect themselves during the 45 to 90 day assumption window. If your credit worries have been holding you back from a rate in the twos, this episode is the one to listen to. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.