This one is for the sellers. If you are sitting on a rate in the twos or threes and wondering whether letting someone assume your mortgage means leaving money on the table, Ryan breaks down why it is actually the opposite. He walks through the math on why buyers will pay a premium for a home with a 2.5% rate attached, shares a real example where sellers got multiple competing offers including cash and conventional buyers that drove the price up, and addresses the VA entitlement concern that stops most veteran sellers from saying yes. Marketing your assumable rate does not just attract assumption buyers. It attracts everyone. More eyeballs, more showings, more offers. Ryan also covers a real deal where a property sold in 14 days at $542,000 because the assumable angle was marketed correctly. Your rate is not something you are giving away. It is your biggest selling weapon. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

If you're sold on the idea of assuming a mortgage but you have no idea where to find one, this episode is the starting point. Ryan breaks down why 75% of assumable properties are completely invisible on the MLS, why listing agents and even banks will sometimes tell you a loan is not assumable when it absolutely is, and exactly what to do about it. He walks through three ways to find assumable properties, covers how assumption processors hold banks accountable when they try to add friction, and runs the numbers on a buyer saving $800 to $1,000 a month on a $450,000 home compared to a conventional loan at 6.5%. There are over 1,200 assumable properties identified in Colorado right now. Most buyers have no idea they exist. This episode shows you how to find them. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

Most people assume assumable mortgages are only for primary residences. They are not. Ryan breaks down exactly how investors and existing homeowners can use VA and FHA assumptions to get into rental properties at rates in the twos and threes. He walks through a real deal where an investor got into a $440,000 property with only $16,000 down at a 2.99% rate, cash flowing from day one while a conventional investor loan on the same property would have required $88,000 down and a payment nearly $1,200 higher every month. He also covers the FHA live-in-then-convert strategy, the VA no-occupancy loophole, and a hack for veterans who want to keep their own entitlement clean for their next primary residence. If you've been wondering whether the assumable strategy works for investors, this episode is your answer. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

One of the most common questions Ryan gets is "what if I assume this loan and then rates drop, am I stuck?" The short answer is no, but here's the thing: when you're sitting on a 2.5% rate, you're probably never going to want to refinance it anyway. Ryan runs the numbers on what refinancing an assumed loan at today's rates would actually cost you. We're talking $340,000 more in interest over the life of the loan. Then he breaks down where your real flexibility lives: the gap loan. He walks through exactly how to aggressively pay down a second mortgage, when it makes sense to refinance just that piece, and why every scenario, keep it, pay it down, or refinance later, beats starting fresh with a conventional loan at 6.5%. If this question has been holding you back from pulling the trigger on an assumption, this episode answers it. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

If you bought your home in 2020 or 2021 and locked in a rate under 3%, that rate is your single biggest selling advantage right now, and most listing agents have no idea how to use it. In this episode, Ryan talks directly to sellers about how to turn an assumable FHA or VA loan into a marketing engine that drives more offers, more competition, and a higher sale price. He breaks down why 75% of homes with assumable mortgages are completely invisible to buyers who would pay a premium for them, runs the math on a buyer saving $1,400 a month compared to going next door, and covers what veterans need to know about VA entitlement before they say no to an assumable sale. Your rate is not a footnote. It's the headline. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

Most people count themselves out before they even pick up the phone. Ryan breaks down exactly what the credit requirements look like for VA, FHA, and USDA assumptions, and the numbers will surprise you. FHA assumptions start at a 500 minimum credit score, VA has no floor set by the VA at all, and here's the part nobody talks about: your credit score does not affect the rate you get on the assumed loan. The rate is already locked. Ryan runs the real math on a buyer saving $1,210 a month on the same house - with a credit score a conventional lender would have turned away. If you've been told you can't buy a house because of your credit, listen to this one first. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

The assumption process takes 45 to 90 days. The banks are going to be annoying. Ryan doesn't pretend it's easy, but he walks you through exactly what to expect so there are no surprises.

This episode covers the full timeline: making a strong offer with assumable clauses, how the assumption processor pushes the deal through the bank, why banks add friction on purpose (and why they're required to let it happen anyway), what can go wrong, and what sellers get in return for the longer close.

He also explains why his clients have a near-100% close rate once they're in the process. You're trading a couple extra months of patience for $390,000 in interest savings. This episode shows you exactly how that trade works.

You do NOT need to be a veteran to assume a VA loan. But there's a catch involving VA entitlement, and most people (including most real estate agents) don't understand how it works.

Ryan breaks down what entitlement is, why most VA sellers say no to non-veteran buyers, and why about 10-20% say yes. He explains how sellers keep most of their VA benefit even after letting someone assume their loan, walks through the real numbers on remaining entitlement, and covers the no-occupancy-requirement loophole that makes VA assumptions incredibly valuable for investors.

If you're a veteran thinking about selling, a non-veteran who wants a 2.5% rate, or an investor looking for cash-flowing rentals, this episode is for you.

The #1 thing that stops buyers from assuming a mortgage is the equity gap, the difference between what the home is worth and the remaining loan balance. Sometimes it's $15,000. Sometimes it's $100,000.

In this episode, Ryan explains what the equity gap is, shares real client examples (Jeremy: 15k down, 2.65% rate / Ben and Liz: 16k down, 2.99% rate), and walks through the 5% down solution with a second mortgage. He runs the actual blended rate math to prove that even with a 9% second mortgage, you're still saving over $900 a month compared to a new conventional loan.

If the down payment is what's been holding you back, listen to this one.

You can take over someone's existing mortgage at their original interest rate.

You can get a 2.5% interest rate. Even today!

In this episode, Ryan breaks down what an assumable mortgage is, which loans qualify (FHA, VA), and why the math is jaw-dropping.

A $500,000 loan at 2.5% saves you roughly $390,000 in interest compared to a new loan at 6.8%.

He also explains why almost nobody knows about this (hint: rates were falling for 40 years and everyone forgot) and why banks make the process harder than it needs to be.

If you've never heard of assumable mortgages, start here.