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Hosted by Ryan Thomson · 🇺🇸 US · EN · 26 episodes
Established thought leaders with verified media credentials.
You can buy a house right now and get a 2.5% interest rate. Right now.There are 12 million assumable mortgages in the U.S., and almost nobody knows about them. The Assumable Guy Show breaks down how buyers can take over existing FHA and VA loans at rates from the 2020-2022 era, saving hundreds of thousands in interest over the life of the loan.Hosted by Ryan Thomson, The Assumable Guy, a real estate agent who closes assumption deals every week. Each episode covers one piece of the puzzle: the savings, the process, and the real talk about what's hard and what's worth it.
Ryan Thomson hosts The Assumable Guy Show, a business show with 26 episodes published.
The number one thing stopping sellers from marketing their home as assumable is the fear that handing off the loan traps them from buying again. Ryan kills that fear with one concept most sellers have never heard of: the
Three out of four homes with assumable mortgages are sitting right there on the market and nobody knows it. Ryan breaks down exactly why: the MLS field rarely gets filled in, agents do not advertise what they do not unde
Most sellers assume their rate dies the day they hand over the keys. It does not. Ryan makes the case that a 2.5% rate on an FHA, VA, or USDA loan might be the single most valuable thing about your home when it is time t
Finding out a seller has a HELOC or a second loan on a property does not mean the deal is dead. It means most buyers walk away from a killer rate for no reason. Ryan explains why you are only ever assuming the first loan
USDA loans are assumable, but they come with a catch most people do not find out until they are already three weeks into the process. Ryan lays it out straight. Unlike FHA and VA, most USDA assumptions reset to today's r
Nobody is handcuffed to an assumption contract until the day it closes. But who can cancel, when, and what it costs depends entirely on which side of the deal you are on. Ryan walks through both. Buyers have the same exi
A lot of buyers find a rate in the twos and then talk themselves out of it over a credit myth. Ryan clears it up fast. When you assume a mortgage you are not inheriting the seller's credit history, their late payments, o
The number one thing stopping veteran sellers from saying yes to an assumable sale is the fear that they will never be able to use their VA benefit again. Ryan breaks down why that fear is almost always bigger than the r
The number one thing stopping veteran sellers from saying yes to an assumable sale is the fear that they will never be able to use their VA benefit again. Ryan breaks down why that fear is almost always bigger than the r
Both FHA and VA loans are assumable, but the rules are different enough that knowing which one you are dealing with changes your entire strategy. Ryan breaks it down clearly. FHA is open to basically anyone who qualifies
Both FHA and VA loans are assumable, but the rules are different enough that knowing which one you are dealing with changes your entire strategy. Ryan breaks it down clearly. FHA is open to basically anyone who qualifies
Most listing agents will tell you your buyer is going to be a young family or a first-time buyer. They are leaving out an entire group of motivated, full-price buyers who will move fast for the right deal. Investors. Rya
Most listing agents will tell you your buyer is going to be a young family or a first-time buyer. They are leaving out an entire group of motivated, full-price buyers who will move fast for the right deal. Investors. Rya
Yes, and Ryan makes a strong case for why extra payments on a 2.5% loan are basically a cheat code. Because so little of a low rate payment goes to interest, almost every extra dollar hits the principal directly. He runs
A lot of sellers assume their escrow balance just disappears into the deal when a buyer takes over their mortgage. It does not. That money is yours and every dollar comes back to you. Ryan breaks down exactly what escrow
If you bought near the top in 2021 or 2022 and Zillow is telling you your home is worth less than you owe, this episode is going to change how you look at your situation. Ryan walks through exactly why being underwater i
If the bank has ever looked at your tax returns and basically told you you're broke despite running a real business, this episode is for you. Ryan breaks down why self-employed buyers get squeezed on conventional loans a
Sellers with FHA loans ask this one constantly, and the answer is cleaner than most people expect. Ryan breaks down the difference between PMI and MIP, why VA loans do not have monthly mortgage insurance at all, and exac
Technically no. Legally there is nothing stopping you from assuming a mortgage on your own. But Ryan makes a pretty convincing case for why going solo is one of the most expensive mistakes a buyer can make in this proces
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
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The Assumable Guy Show is hosted by Ryan Thomson. The show is categorised under business (investing) and has published 26 episodes.
The Assumable Guy Show has published 26 episodes.
The Assumable Guy Show regularly covers business, investing. It sits in the business category, with a investing focus.
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The Assumable Guy Show hasn't explicitly signalled guest openness in recent episodes. That doesn't rule out pitching. your hook just needs to be especially compelling and relevant to their recent content.
Episodes of The Assumable Guy Show average 6 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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