Over $200M+ of assets Assumed through UMe

Find assumable mortgages at 2 to 4% rates.

Why buyers and agents use UMe

Assumable mortgages, explained

A time machine
back to 2021 rates.

An assumable mortgage lets you take over a seller's existing home loan. Same rate, same term, same monthly payment they signed years ago. Step into a 2 to 4% mortgage from the COVID era instead of a 6.23% rate today.

50 years of mortgage rates

US 30-year fixed average

3%6%9%12%15%198019902000201020202025Today - 6.23%Take over the lowest rates of the decade.
Luxury home exterior
Scottsdale, AZ
List price$525,0003 bd · 2 ba · 1,840 sqft

Same home, same loan

Your monthly payment,
cut almost in half.

On the $420,000 loan after 20% down.

6.23%

Today's rate

monthly payment

$2,581/mo
2.50%

Assumable rate

monthly payment

$1,660/mo

Save $921 every month

That's $331,560 over the life of the loan.

01

Find a home with a low rate

Roughly 1 in 4 mortgages is assumable. FHA and VA loans can transfer with the property.

02

Step into the seller's loan

You keep the same rate and term while the lender transfers the loan into your name.

03

Save hundreds for decades

A much lower rate can reduce monthly payments and preserve long-term wealth.

Featured assumable opportunities

Certified listings from our marketplace — compared to financing at 6.23%.

How it works

From pre-qual to keys,
we handle every step.

1

Step 01

Get pre-qualified with us.

We qualify you per government assumption guidelines and tell you exactly what you qualify for in the assumption world.

  • Pre-qualified by our assumable loan experts
  • Numbers broken down over a single call
  • Done in just two business days
2

Step 02

Match with a loan expert and realtor.

We connect you with an assumable loan expert and a realtor we've personally trained to handle assumptions.

  • Top 1% assumption-trained realtors
  • Dedicated loan officer on every call
  • An expert team backing you up
3

Step 03

Go under contract. We facilitate everything.

Once you're under contract, we work with the buyer, seller, servicer, and all parties to facilitate a successful assumption transfer.

  • Perfect package handed to the servicer
  • Title, escrow, and insurance coordinated
  • Loan tracker portal and weekly updates
4

Step 04

Get your keys.

You close at one of the lowest rates in modern mortgage history and walk in the front door of your new home.

  • Same rate, same term as the seller
  • Same monthly payment locked in for life
  • Move in like any traditional sale
Don't take our word for it

What real buyers
have to say.

4.9
Average across 287 reviews

Lester Washington

6 months ago

I was told going into the transaction that the VA assumable would take longer than a traditional mortgage and had no problem with the time it took to get across the finish line. Also, it was a very good idea for your organization to have all of the VA forms completed because if Mr Cooper had to handle those forms we would still be waiting to close. Thursday updates were appreciated very much. Thanks for an outstanding job.

Keith Volner

2 months ago

This process was tough. UMe helped. I'm not sure if there is such a thing as a straightforward VA loan assumption—if there is, then you don't need them. If there is a hint of difficulty, UMe will get it done, somehow. It may take longer than you like, but if it's even remotely possible, I believe they can do it. Know that there is a 1% fee. For us, it was worth it and I'm grateful.

Daniel Sandoval

2 months ago

Kim was a rockstar! Although the lender still took too much time, without Kim and UME it wouldn't have been done. Thank you for the guidance and I will use and refer you on every assumption.

Sandra Plaunt

11 months ago

Kim and her team are nothing short of amazing. They recently helped with a very complicated assumption transaction that I was handling for a seller. They are knowledgeable, professional, and WELL-CONNECTED! I'm not sure how or if we would have closed without their support.

Jeremy Clemena

8 months ago

Kim was absolutely on top of things from start to finish—so glad we had her and the UMe team in our corner throughout the assumption process. Total experts in this niche area of mortgage that most industry experts cannot seem to grasp.

cody ramirez

8 months ago

UMe Assumption Specialists are the real deal. I've handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days. With UMe, my most recent assumption closed in about half the time with far less headache.

Ramon Casaus

8 months ago

UME was great, strong communication and very happy buyer! Thank you for such a smooth transaction! Would definitely recommend to other professionals or customers looking for real deal service getting an assumable loan to the finish line!

francine mccabe

2 months ago

Kim Cavin made this process so much easier than it would have been otherwise—even the closing attorney and the realtors all stated how smooth this process was compared to any other assumptions they had worked with. I'm extremely grateful for the time she gave to my home purchase.

Art Valenzuela

4 months ago

Mike, Kim and their employees were great to work with. They were great at communicating and helping to close our deal.

Lester Washington

6 months ago

I was told going into the transaction that the VA assumable would take longer than a traditional mortgage and had no problem with the time it took to get across the finish line. Also, it was a very good idea for your organization to have all of the VA forms completed because if Mr Cooper had to handle those forms we would still be waiting to close. Thursday updates were appreciated very much. Thanks for an outstanding job.

Keith Volner

2 months ago

This process was tough. UMe helped. I'm not sure if there is such a thing as a straightforward VA loan assumption—if there is, then you don't need them. If there is a hint of difficulty, UMe will get it done, somehow. It may take longer than you like, but if it's even remotely possible, I believe they can do it. Know that there is a 1% fee. For us, it was worth it and I'm grateful.

Daniel Sandoval

2 months ago

Kim was a rockstar! Although the lender still took too much time, without Kim and UME it wouldn't have been done. Thank you for the guidance and I will use and refer you on every assumption.

Sandra Plaunt

11 months ago

Kim and her team are nothing short of amazing. They recently helped with a very complicated assumption transaction that I was handling for a seller. They are knowledgeable, professional, and WELL-CONNECTED! I'm not sure how or if we would have closed without their support.

Jeremy Clemena

8 months ago

Kim was absolutely on top of things from start to finish—so glad we had her and the UMe team in our corner throughout the assumption process. Total experts in this niche area of mortgage that most industry experts cannot seem to grasp.

cody ramirez

8 months ago

UMe Assumption Specialists are the real deal. I've handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days. With UMe, my most recent assumption closed in about half the time with far less headache.

Ramon Casaus

8 months ago

UME was great, strong communication and very happy buyer! Thank you for such a smooth transaction! Would definitely recommend to other professionals or customers looking for real deal service getting an assumable loan to the finish line!

francine mccabe

2 months ago

Kim Cavin made this process so much easier than it would have been otherwise—even the closing attorney and the realtors all stated how smooth this process was compared to any other assumptions they had worked with. I'm extremely grateful for the time she gave to my home purchase.

Art Valenzuela

4 months ago

Mike, Kim and their employees were great to work with. They were great at communicating and helping to close our deal.

Lester Washington

6 months ago

I was told going into the transaction that the VA assumable would take longer than a traditional mortgage and had no problem with the time it took to get across the finish line. Also, it was a very good idea for your organization to have all of the VA forms completed because if Mr Cooper had to handle those forms we would still be waiting to close. Thursday updates were appreciated very much. Thanks for an outstanding job.

Keith Volner

2 months ago

This process was tough. UMe helped. I'm not sure if there is such a thing as a straightforward VA loan assumption—if there is, then you don't need them. If there is a hint of difficulty, UMe will get it done, somehow. It may take longer than you like, but if it's even remotely possible, I believe they can do it. Know that there is a 1% fee. For us, it was worth it and I'm grateful.

Daniel Sandoval

2 months ago

Kim was a rockstar! Although the lender still took too much time, without Kim and UME it wouldn't have been done. Thank you for the guidance and I will use and refer you on every assumption.

Sandra Plaunt

11 months ago

Kim and her team are nothing short of amazing. They recently helped with a very complicated assumption transaction that I was handling for a seller. They are knowledgeable, professional, and WELL-CONNECTED! I'm not sure how or if we would have closed without their support.

Jeremy Clemena

8 months ago

Kim was absolutely on top of things from start to finish—so glad we had her and the UMe team in our corner throughout the assumption process. Total experts in this niche area of mortgage that most industry experts cannot seem to grasp.

cody ramirez

8 months ago

UMe Assumption Specialists are the real deal. I've handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days. With UMe, my most recent assumption closed in about half the time with far less headache.

Ramon Casaus

8 months ago

UME was great, strong communication and very happy buyer! Thank you for such a smooth transaction! Would definitely recommend to other professionals or customers looking for real deal service getting an assumable loan to the finish line!

francine mccabe

2 months ago

Kim Cavin made this process so much easier than it would have been otherwise—even the closing attorney and the realtors all stated how smooth this process was compared to any other assumptions they had worked with. I'm extremely grateful for the time she gave to my home purchase.

Art Valenzuela

4 months ago

Mike, Kim and their employees were great to work with. They were great at communicating and helping to close our deal.

The honest truth

What's
the catch?

Assumptions are not perfect. Here's the four things every other firm hopes you don't ask about - and our honest answer to each one.

01 / 04
The catch

"Banks don't want to do these.

Servicers make almost zero money on an assumption. They'd much rather you originate a brand-new loan at today's 7%.

vs

01

How we handle it

So we make them do it anyway.

We've assumed loans with every major servicer in the country - Mr. Cooper, PennyMac, Freedom, Lakeview, NewRez. We know their forms, their underwriters, and their excuses.

#1

Highest success rate in the country

for assumable mortgage closings

45-90

Days to close

varies by servicer; we'll tell you which

500+

Closed assumptions

more than any other firm in the country

Start your search

Browse hundreds of
assumable homes today.

equal-housing

UMe Realty Group © is committed to and abides by the Fair Housing Act of Equal Opportunity.