Today's conversation is with Ryan Thomson—real estate agent, investor, and the go-to expert on assumable mortgages.

In a market where high interest rates are pushing the dream of homeownership out of reach, Ryan has doubled down on a little-known but powerful strategy: assuming loans. His approach is unlocking 2–3% interest rates for today’s buyers—and he's on a mission to make homeownership and investing accessible again.

From social work to house hacking to launching a niche real estate business, Ryan shares how assumable mortgages are helping first-time buyers, investors, and sellers alike. Whether you’ve never heard of an assumable loan or you’ve been curious about the mechanics, this episode breaks it all down.

If you're looking for real solutions to today’s affordability crisis, come alongside me and learn how assumable loans might be the game-changer you’ve been waiting for.

0:00 Intro

1:42 Ryan’s journey from social work to real estate

4:55 Why assumable mortgages are making a comeback

8:14 How assumptions differ from sub-to deals

11:35 Creative solutions for funding equity gaps

14:55 Why banks resist assumptions (and how to work around it)

17:17 Ryan’s 3-part business model

21:06 Case study: investor wins with a 2.75% rate

26:30 Wyatt’s brokerage model and vision for Ascend

30:14 Expanding access to homeownership through assumptions

34:37 Vision for 25,000 doors and housing as impact

Resources Mentioned:

🌐 Ryan’s Website: https://theassumableguy.com 

🌐 Connect with Wyatt: https://wyattgraves.com