The Assumable Guy Show

Most listing agents are not trying to block your assumable sale. They genuinely have no idea how it works because assumptions were irrelevant for 40 years and nobody trained them on it. Ryan walks sellers through exactly how to explain it, starting with the most common misconception where agents confuse assumable mortgages with subject-to deals, which are two completely different things. He covers how to show your agent the math, how to address the timeline concern, and why marketing your assumable rate brings in more buyers across the board, not just assumption buyers. He also shares a hack for sellers interviewing listing agents and a tip for buyers on how to handle a confused listing agent when writing an offer. If your agent has been hesitant or flat out told you it can't be done, this episode gives you the exact language to turn that conversation around. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

A low appraisal in a traditional deal can blow the whole thing up. In an assumption it works differently, and most buyers don't know why. Ryan breaks down how the appraisal affects an assumed loan versus a conventional one, why a $25,000 appraisal gap might actually be worth it when you're saving $200,000 in interest over the life of the loan, and what happens when a second mortgage lender gets involved and needs the numbers to pencil. He also covers how his team handles low appraisals in real deals, from going back to the seller on price to negotiating inspection concessions to close the gap. The math is what matters, not the appraisal number by itself. If a low appraisal has been sitting in the back of your mind as a reason to hesitate, this episode walks you through how to think about it the right way. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

Yes, two people can assume a mortgage together and it is one of the most underused strategies in the assumable world right now. Ryan breaks down how co-borrowing works across every scenario: married couples, unmarried partners, friends, siblings, and investment partners. Two incomes mean a stronger debt-to-income ratio, which makes qualifying easier, and splitting the equity gap makes the upfront cash way more manageable. He walks through a real deal where two buyers got into a $440,000 home at 2.99% with only $8,000 each out of pocket, covers how veterans can substitute entitlement to free up a VA seller, and runs the math on a co-borrower paying $700 a month on an assumed loan versus $1,900 on their own conventional loan. If you've been sitting on the sidelines thinking you can't afford an assumable mortgage alone, this episode is worth a listen. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

One of the last things holding buyers back from pulling the trigger on an assumption is not knowing what to budget for closing costs. Ryan breaks it all down in this episode. No origination fees, no discount points, no junk fees from a lender trying to squeeze extra money out of you. On a $450,000 home, conventional closing costs run $13,500 to $22,500. On an assumption of the same home, you're looking at $5,000 to $10,000 total, and in some deals Ryan's team negotiates seller concessions that bring that number down even further. He walks through every line item, covers why most assumption servicers skip the traditional appraisal, and explains how gap loan closing costs are typically built into the second mortgage so you're not coming out of pocket twice. The math on closing costs alone makes a strong case before you even factor in the rate. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

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.