Close the listings that died at 7%.
Every FHA, VA, and USDA loan originated before 2022 is a potential assumption. Most of them are sitting in your MLS right now, unmarked and unsold. This guide shows you how to find them, structure the gap, and close with your client still on the file.
The Agent Playbook or The Investor Playbook
- The five-step MLS filter for spotting assumable listings in under ten minutes
- The blended-rate math, worked on a real $420,000 Arizona deal
- How the gap gets funded with a second mortgage, and what the buyer needs to qualify
- The FHA occupancy rule, the VA entitlement rule, and the 45 to 90 day timeline
- Word-for-word scripts for the seller, the buyer, and the listing agent
- Buyer and seller document checklists the servicer will ask for
What you get by referring a deal
You stay on the file
Agent of record on your listing or your buyer. Trystan supports the structure; he does not replace you.
A tool other agents do not have
Most agents in your market have never closed an assumption. You will walk in with the numbers and a lending partner ready.
Numbers in 24 hours
Send the address, loan type, approximate balance, and list price. You get a full analysis back within a day. No obligation.
How referrals work
You spot the candidate
Listing 90+ days on market with a government loan, or a buyer who cannot make the payment at 7%.
We run it and structure it
Trystan and the gap lender analyze the deal, pre-qualify the buyer for the second mortgage, and map the servicer timeline.
We close it together
You manage your client. We manage the assumption package and the two closings. Everyone gets paid.
Investors: read this first
Assumptions are owner-occupant products. That is not a dead end for investors, but it changes the play.
- FHA requires 12 months of owner occupancy before the home can be converted to a rental. House-hack first, hold second.
- VA and USDA require occupancy for the life of the assumption. These are personal residence plays, not portfolio plays.
- Property managers and landlords: your clients who are selling FHA and VA homes are your referral source. The investor guide covers how to spot them.
- Capital partners: gap financing on assumptions is a lending opportunity. The investor guide covers the structure.
Get the guide
Choose your role. The right playbook lands in your inbox in about a minute, followed by a short series with real deal examples.
Have a deal to run right now? Email the address and loan details and skip the form.