The Assumable Guy Show

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.

The Assumable Guy Show is a business podcast hosted by Ryan Thomson, with 35 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Ryan Thomson hosts The Assumable Guy Show, a business show with 35 episodes published.

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  Episode #36

  What if the seller's loan only has 25 years left?

  Aug 18, 20266 minS1

  Taking over a loan with 25 years left instead of 30 sounds like you are getting shortchanged. Ryan flips that completely. Every mortgage is front loaded with interest, meaning the seller already paid through the most expensive years for you. When you assume a loan that is five years in, over half of your monthly payment goes straight to principal from day one. On a brand new loan at 6.5% for the same balance, less than a third of the bigger payment touches principal. You are not losing five years. You are skipping the five worst ones. He runs the full comparison on a $354,000 assumed loan at 2.75% versus a new loan at today's rates: $600 less per month, more than double the monthly principal paydown, and over $300,000 less in total interest paid before the house is yours. He also shares Dilip's deal, a 2.8% rate on a $550,000 investment property where tenants are paying down principal at a pace a brand new loan cannot touch. Ryan gives buyers a reframe for shopping too: a loan with less time left is worth more, not less. If you are 35 and you find one with 20 years remaining, you are mortgage free at 55. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

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  Episode #35

  Will Selling My Home as an Assumable Take Forever?

  Aug 14, 20267 minS1

  Forty five to ninety days. That is the honest answer, and Ryan gives it upfront. But the number by itself is missing the part that actually decides how much money you walk away with. He breaks down the two clocks running on every home sale, days on market and contract to close, and shows why marketing an assumable rate destroys the first one while only adding a few weeks to the second. The real example makes it concrete: a home that comped at $585,000 listed at $519,000 with the assumable rate front and center, had an offer in 14 days, bumped to $540,000, and sold at $542,000 with concessions. Meanwhile the house down the street sat 60 days and took two price cuts. Same total time. Different outcomes. Ryan also covers the two seller hacks that make the timeline manageable: ask for a rent back so you can close and keep living there while you plan your next move, and write the closing date at 90 days on the contract so nobody panics if it takes the full window. He gives buyers a move too: offer the rent back before the seller asks for it and put your timeline flexibility in writing. Sellers pick the buyer who makes their life simple, and that is often worth more than a few extra thousand dollars. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

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  Episode #34

  What if the Bank Says My Loan Isn't Assumable?

  Aug 11, 20268 minS1

  If the loan is FHA, VA, or USDA, it is assumable. That is not an opinion. It is written into the loan documents the seller signed at closing. The bank does not get a vote. Ryan explains exactly why servicers say otherwise, what they stand to gain by slowing down or killing an assumption, and why the person on the phone telling you no almost certainly cannot approve or deny anything anyway. He breaks down the three different people who say "the bank said no" and the different fix for each one, then walks through four specific moves to push back: ask for it in writing, ask if FHA or VA should get involved, bring in an assumption processor, and keep the deal alive while you push. Jeremy's story makes the case: told the loan was not assumable, almost walked, asked for it in writing, the servicer went quiet, a processor got involved, and he closed at 2.65% on a $415,000 home with $21,000 down, saving over $900 a month compared to a new loan at today's rates. Ryan is also straight that not every no is fake: conventional loans usually are not assumable and pushing will not change that. But "you didn't qualify" and "this loan isn't assumable" are two completely different answers, and the bank will blur them together if you let them. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

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  Episode #33

  Should I price my home higher because it has a 2.5% rate?

  Aug 7, 20267 minS1

  Yes, you can get a premium for your rate. But not the way most people think, and doing it the wrong way is exactly how your house ends up sitting. Ryan breaks down why every extra dollar you tack onto the list price of an assumable does not show up in a buyer's monthly payment. It shows up as cash at the closing table. The loan balance does not move, the bank is not lending more, and the equity gap is the gap. He runs the numbers on a $400,000 loan at 2.5% where the buyer saves $948 a month and $307,000 over the life of the loan, then explains why asking that buyer to pay a $25,000 premium in cash today is asking them to pay for a slow benefit with fast money. The actual move is what Colin and Beth did: price to create competition, let the offers stack up, and let the swarm set your number. He also shares a deal where a home listed at $519,000 on purpose, under the comps, bumped to $540,000 once the traffic showed up, and sold at $542,000 in 14 days with concessions on top. Buyers get a note too: do not automatically walk away from an assumable priced above comps. Run the math first. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

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  Episode #31

  Is Subject-To the Same as an Assumable Mortgage?

  Jul 28, 20267 minS1

  Real estate TikTok throws both terms around like they are interchangeable. They are not. Ryan draws a clear line between the two in this episode. An assumable mortgage is lender approved, written into federal law for FHA and VA loans, and ends with the loan in your name and the seller walking away with a release of liability. Subject-to means the deed transfers but the loan stays in the seller's name, the bank never gets told, and everybody just hopes the due-on-sale clause never gets triggered. He explains exactly why a bank sitting on a 2.5% loan would love an excuse to call it due and reloan that money at today's rates, what that risk looks like for the buyer over a 30 year hold, and why sellers get the worst end of the subject-to deal, their credit on the hook for a mortgage on a house they no longer own. He also makes a point that cuts through a lot of creative finance pitches: if the loan is FHA or VA, the legal assumable version of that same deal already exists. Same rate, same low payment, except the bank approves it and nobody is crossing their fingers for decades. Ben and Liz's deal at 2.99% on a $430,000 home with $16,000 down is the legal version. That is the one worth chasing. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.

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