For homeowners who are buying
Find a home that comes with its own 3% loan.
Most assumable listings are not marked as assumable. We keep a running list of them across the Phoenix metro. Tell us your price range, area, and timeline and we will show you what is available, with the monthly payment worked out before you tour anything.
- You see the real payment on each home, assumed loan and gap financing included
- We pre-check whether you fit the servicer's requirements before you fall in love with a house
- You get the realistic timeline up front so it fits your lease or your sale
Prefer to talk? Call or text 602-300-3295.
Tell us what you are looking for
Takes about two minutes. We reply within one business day.
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Before you submit, three things to know
Occupancy depends on the loan
FHA and USDA assumptions require you to live in the home. A standard VA assumption does not, so a VA loan can in some cases be assumed as an investment or second home. If you are a veteran substituting your own entitlement on a VA loan, occupancy is required.
Plan on 45 to 90 days
Servicer approval is manual. If you must close in 30 days, this is the wrong path and we will tell you so.
Have 5% to 10% to put down
The gap lender needs you to have skin in the game. Two years of tax returns are required, no exceptions.