Realtors, triple your business with assumptions.
Accelerate your growth with a powerful set of tools to help you become an assumption master.Start your Journey
Assumptions are the biggest win-win in real estate.
Assumptions are an absolute win-win proposition for buyers and sellers. That means real estate agents have an incredible opportunity in front of them…right now!
Below Market Interest Rate
Buyers are able to assume loans with interest rates as low as 2%! That's a huge win with today's high interest rate environment.
Reduced Closing Costs
Assumable loans can bypass many traditional closing costs, saving a lump sum of money.
No Appraisal Needed
Assumable loans do not require an appraisal! Compared to traditional loans, this saves both time and money.
Save time & succeed with our tools.
We offer a wide array of tools to amplify your business through assumptions.
Get StartedLatest
Listings
Instantly view the latest assumableproperties in your area.Updates every 10 minutes
Advanced client tracking
Understand every clients unique behaviors and how they like to communicate.
Powerful client CRM
Save time and manage all of your clients through our robust CRM. Track your clients activity and push them through your pipeline all in one powerful dashboard.
Loan Comparison PDFs
Instantly get a comparison PDF of an assumable loan vs. other traditional financing for any property.
Advanced calculators
Amortization, blended rate, VA entitlement, loan comparison + more.Educating buyers and sellers is key
Real estate agents play a crucial role in educating clients about the benefits of assumable mortgages. We empower you with specialized knowledge and resources to capitalize on this growing trend.
Sell faster & for more
Help potential sellers in understanding all the benefits of assumptions. Address common concerns such as transferability and liability to showcase how assumable loans can streamline the selling process and attract more qualified buyers.Start selling fast
Level up purchasing power
Imagine reconnecting with buyers who previously walked away due to high payments. By educating them about assumable mortgages, you can significantly increase their purchasing power and get them the dream home they always wanted.Start leveling upSpecialized Training & Cerifications
UMe offers essential training, workshops, and customized tools to keep you up-to-date on assumption trends. This empowers you to confidently guide clients through mortgage assumptions and effectively market and close transactions.Sign up today
Meet Mike Roberts, Founder
Our team is revolutionizing real estate with assumable mortgages, and we’d love to help you level up your business. By partnering with UMe, you can attract more buyers and sellers, enhance your credibility as an assumption expert, and have the potential to grow your business exponentially. Watch the video and allow me to introduce myself!
Flexible Pricing
Ready to level up?
If you learn to use our tools effectively, you can overcome any buyer or seller objections. You don’t have to 'sell' anyone on anything. You just have to educate.
Book a 15min intro call
Lean more about how UMe works and how it can help you.Client CRM
Assumable mortgage calculators
Marketing Materials
Enhanced Search Capabilities
Listing Certifications
Latest Listings
And More!
FULL Client CRM
Assumable mortgage calculators
Marketing Materials
Enhanced Search Capabilities
Listing Certifications
Latest Listings
Phone Support
Featured as Specialists (Post Certification)
Lead Generating Landing page
Access to Buyers & Sellers
And More!
FULL Client CRM
Assumable mortgage calculators
Marketing Materials
Enhanced Search Capabilities
Listing Certifications
Latest Listings
Phone Support
Featured as Specialists (Post Certification)
Lead Generating Landing page
Add your Entire Team
And More!
FEEL FREE TO CONTACT US
Do You Have Any Questions?
Check out this FAQ to get more informationCan an investor assume a loan? Which type?
Yes. Investors can assume VA loans. VA does not have a restriction on occupancy in an assumption.
Why are investors clamoring for assumptions?
Investors have been looking for investments that 'pencil out'. With interest rates available in the 2s and 3s, there is no better vehicle than an assumption.
How much down payment do I need?
The down payment needed is the difference between the sales price and the amount owed on the assumable loan. This varies with each home. In some cases, we have seen homes with ZERO down payment needed.
Can I use my current preferred lender to originate the assumption loan?
There is no new originating lender involved in an assumption. We coordinate with the existing lender to transfer the liability.
How is an agent's commission affected by doing an assumable loan transaction?
It is not affected.
With a large delta/gap, what is the minimum down payment for a primary residence buyer?
There is no minimum down payment required by the loan being assumed. The limiting factor is the secondary financing lender. Some offer 5% down payment, but the more economical choice seems to be at 10% down.Contact us for details.
For buyers doing an assumption, are closing costs generally higher, lower or the same?
Generally the overall closing costs are lower. Since there is no new loan being originated, there are no points to pay and no appraisal required*. Title fees are also lower due to the lenders policy already being attached to the current loan. *appraisal may be required if you are using secondary financing.
What is the key difference between a wrap/subject-to/contract-for-deed and a true assumption?
The release of liability. A true assumption releases the seller of all liability.
What are the first steps if a buyer wants to get qualified?
Contact UMe Assumption Specialists to get your buyer PreScreened. PreApprovals for new financing are not applicable in the assumption world. New financing and assumptions have a different set of rules and guidelines. You need to be sure your buyer is qualified for an assumption.
What are the first steps if a seller wants to list their home as assumable?
Contact UMe Assumption Specialists to guide you. Many MLS platforms have specified areas to address whether the loan is assumable or not. We can also certify your property with a copy of the mortgage statement.
How can I check if my loan is assumable?
Contact UMe Assumption Specialists to verify that the home is indeed assumable and under what conditions. Recently servicers have been telling sellers that all loans are assumable. This is technically true, but conventional loans are only assumable under very few specific conditions. In general, if your seller has a government loan, it is assumable.
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Agent/Broker
Cody RamirezUME Realty Group+14805991734cody@umerealtygroup.comMLS SA690269000Resources
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