Our process

How it works

A clear, step-by-step path for buyers and Realtors, from curiosity to an informed decision about mortgage assumptions.

ASSUME & BUY™

Two paths. One goal.

Pick the path that fits your role.

Buyer assessment
Education course
Readiness Review™
Realtor partnership

PathsBuyers · Realtors

Course length45 min

Choose your path

Assumptions work a little differently depending on your role. Select yours to see the steps.

For Buyers For Realtors

Buyers: your path in 5 steps

Follow the steps in order. Each one builds on the last.

1

STEP 1

Free assessment

Share details such as veteran status, credit range, income, cash available and state.

2

STEP 2

Suitability indicator

Receive a Green, Yellow or Red informational indicator.

3

STEP 3

Education

Take the Assumption Education Course™, about 45 minutes.

4

STEP 4

Readiness Review™

Schedule a review to discuss your situation and potential obstacles.

5

STEP 5

Your decision

Decide whether to pursue an assumption, another loan, or neither.

Realtors: your path in 5 steps

Learn how assumptions work so you can guide buyers and sellers with confidence.

1

STEP 1

Join as a Realtor

Create your free profile and tell us about the markets and clients you serve.

2

STEP 2

Realtor education

Learn the basics: how assumptions work, who may qualify, the equity gap and typical servicer timelines.

3

STEP 3

Introduce your clients

Point buyers to the free assessment so they know where they stand before they make an offer.

4

STEP 4

Prepare the transaction

Work from your client's Readiness Review™ to plan for the equity gap, secondary financing and the seller's transition.

5

STEP 5

Guide to the decision

Help your clients choose an assumption, another loan, or neither, with clear expectations on both sides of the deal.

What makes Assume & Buy different?

Many companies help you find an assumable mortgage. We focus on helping you understand whether you may be able to complete one.

Buyer preparation

Know what servicers and agencies typically review.

Equity gap analysis

Understand the cash or financing a transaction may need.

Secondary financing

Learn about options that may help cover a gap.

Realtor support

Education for agents on both sides of the deal.

Seller transition planning

Understand what changes for the seller and the existing loan.

Mortgage education

Plain-language lessons, no pressure.

Your choice. You are free to choose any lender, Realtor or settlement service provider. Completing our education or review is not required to obtain a loan from us or anyone else.

General information, not legal or financial advice. Assumption eligibility depends on servicer, FHA, VA or USDA review and borrower qualification.This website is for educational purposes only and is not a commitment to lend, loan approval, or an offer of credit. All loans are subject to credit approval, property and program requirements, and loan assumptions are subject to servicer and agency approval. Rates, terms and availability are not guaranteed. We are not affiliated with or endorsed by HUD, FHA, VA or USDA. This site does not provide legal, tax or financial advice.

You are not required to use any particular lender, Realtor or settlement service provider. No referral fees or things of value are exchanged for referrals of settlement service business.