WELCOME TO ASSUMPTION SOLUTIONS

The VA & FHA Mortgage Loan Assumption Experts

Are you looking to acquire or pass on an assumable home loan?? Maybe you’re trying to find assumable mortgages in your marketplace, or you’re an agent getting ready to close a deal. No matter your needs, our expert team is here to help you complete a successful and fast mortgage loan assumption.

Stress-Free Home Mortgage Assumption Services

Buying or selling a home is tedious and taxing as is. Trying to figure out your mortgage assumption can add stress to your already full plate. That’s where Assumption Solutions comes in. With decades of loan assumption experience under our belts, you can count on us to deal with the ins and outs of your mortgage assumption so you don’t have to.

Here’s what you can expect when working with Assumption Solutions:

An expert team working between the buyer, seller, lender, and real estate agents to ensure a smooth loan handoff.
A knowledgeable guide in your corner available to answer all your questions — from your initial consultation to mortgage assumption completion.
More time to focus on buying, selling, and getting ready to move into your new home rather than worrying about your mortgage assumption.

The Benefits of Mortgage Loan Assumptions

So, why would anyone want to utilize a loan assumption? Mortgage loan assumptions benefit both buyers and sellers because:

Buyers save money by locking into a loan with a lower interest rate.
Sellers have an asset that increases the home's value.
No appraisal is needed on an assumable mortgage, which means lower closing costs.
Assumable loans increase homeownership options across the nation.

Our Efficient Four-Step Process

Our mortgage assumption process is an easy four-step plan to make your experience as streamlined and stress-free as possible.

Determining if you have an assumable loan on the property.

If you aren’t sure what kind of loan you have, we can help you find out.

Contacting Assumption Solutions.

We’ll help you understand the process a servicer takes to approve a mortgage assumption

Connecting with the Buyer & Seller.

We’ll execute an engagement letter and help the buyer and seller follow the steps to gain approval from the existing mortgage holder.

Closing

Once the assumption is approved, closing can take place. We’ll help you stay on track with all the requirements along the way.

Home Loan Assumption Pricing

Our mortgage assumption assistance fee is a flat $1,900 per transaction commonly split at $950 per side between parties as shown below.

Home Buyers

Assistance fee of $950

Get started with just $50 upfront! The remaining $900 is only charged if the assumption is approved. No final approval means no final fee.

Low Risk, Low Cost, High Value!

Home Sellers

Assistance fee of $950

Get started with just $50 upfront! The remaining $900 is only charged if the assumption is approved. No final approval means no final fee.

Low Risk, Low Cost, High Value!

Featured on

The Hottest Thing in Real Estate Is a Loan From Two Years Ago

When the Seller Says, ‘Please, Take My Mortgage!’

Assumable mortgages shine bright in residential market

Mortgage Assumptions: An Attractive Option The Rising-Rate Environment

Assumable Loans: How to Time Travel Back to 3% Rates on Your Next Buy

Episode 179: Successful Mortgage Assumption, with Craig O’Boyle

Guest Speaker Craig O’Boyle - The Mortgage Assumption Process...A New Opportunity

EML 211 - The Mortgage Assumption With Craig O’Boyle

Assumable Home Loan Education

Are you a real estate agent looking to learn more about assumable mortgages? We teach agents across the country everything they should know about mortgage assumptions. Explore our free resources to get started!

Mortgage Assumption FAQs

What Is a Mortgage Assumption?

A mortgage loan assumption occurs when a buyer purchases a home with an existing mortgage on the property. Instead of paying off the mortgage, the buyer and seller, in conjunction with the current lender’s approval, agree to keep the existing mortgage in place and make the buyer the new responsible party on the loan. Essentially, it’s like changing the name on the loan.

What Is Your Service Area?

We proudly serve all 50 states within the U.S. No matter where you’re located, we can help!

Who Can You Help?

We assist buyers, sellers, and real estate agents in all aspects of mortgage assumption. We’ll close deals smoothly so all parties can move on with confidence. We also offer FREE education to real estate agents looking to learn more about assumable home loans.

As a real estate agent, how can I assist my clients with assumable mortgages?

As a real estate agent, you can streamline the process for your clients by connecting them with our expert team. We specialize in assisting you in a successful and efficient mortgage loan assumption, ensuring a smooth transaction for all parties involved.

What factors should I consider before assuming a home loan?

Before assuming a home loan, it’s essential to assess factors such as the remaining loan balance, interest rate, and terms of the existing mortgage. Our team can help you evaluate these factors and determine if assuming a mortgage is the right choice for you.

Find Us Online

Get a Smooth Home Assumption with Assumption Solutions

Buying or selling a home in today’s market is difficult. That’s why you need an experienced partner to guide you with honest, reliable service. At Assumption Solutions, we’ll go the extra mile to ensure a smooth mortgage assumption process from start to finish. No matter who you are or where you live, you can trust that our expert team will be with you every step of the way. If you need FHA or VA mortgage assumption guidance, we can help.