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HOME BUYERS

Zero Down Payment

Zero Closing Cost

LEARN HOW TO BYPASS DOWN PAYMENT AND CLOSING COST
REQUEST A CONSULTATION

Zero Settlement Fees

Minimal Paperwork

NO DOWN PAYMENT HOMES

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EASY TO ESTIMATE

Immediate value
Long term savings

FIND YOUR HOME IN OUR DIRECTORY

Over 10,000 to choose from
Your next home is just a phone call away. All you have to do is contact the seller. Be ready to take over.  Assumable loans do not require a down payment & its easy to qualify.
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Did you know?
  1. FHA and VA loans are assumable
  2. The Federal Government regulates this strategy
  3. There is hidden value in the “life of a loan”

Knowledge is power!

VIDEOS-BUYERS
LEARN ABOUT ASSUMABLE MORTGAGES
VIDEOS
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Buyer Intro

Welcome to a new no down-payment option that is sweeping the nation.
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Buyers - Assume a loan

Available to you right now!
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Buyers - Smart easy math

A combination of affordable home ownership and smart buying.
TAKE A LOOK AT OUR

FEATURED MORTGAGES

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SPREAD THE WORD

REFER A FRIEND

Earn $10 
Just email our video to a friend. You can earn a visa gift card for any one of our paid consultations or listing services.
We will send you a $10 visa gift card, if your Email recipient advertises their mortgage or request a consultation within 30 days. Invite as many as you like.  Gift cards are delivered within 2 weeks.
NO DOWN PAYMENT OR CLOSING COST

CONSULTING

Get the facts
Discover how to effectively assume a mortgage without paying a down-payment or closing cost. Our consultations focus on specific areas that are relevant to you.  We avoid legal jargon, and help familiarize our clients with the process. Call or schedule an appointment today.
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IMMEDIATE BENEFITS

Keep your cash.  There are no down payments.  Some lenders may request a small amount to secure the loan, but this cost normally does not exceed $500.00.  A credit score of 620 or better increases your potential.
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UNDERWATER MORTGAGES

HAVE HIDDEN VALUE

Do the math

The value hiding behind a negative equity status is easy to find.  It can be found in the payments already applied to the mortgage.  In example:  If 60 payments (5yrs) of $1000 have already been applied to the mortgage, the hidden value is $60,000. The formula is that simple. Use our estimate calculator to verify it for yourself.
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A SUCCESSFUL ASSUMPTION

8 EASY STEPS

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Step 1

BE CREDITWORTHY

Review your credit score, and financial status.  As of July 2012, FHA requires a minimum credit score of 580. Lenders often require a higher credit  score of 620.
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Step 2

USE OUR SEARCH TOOL

Find a loan to assume by searching our national assumable mortgage directory.
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Step 3

EXPRESS INTEREST

Contact the seller. Be prepared to discuss your interest in the property and your desire to assume their loan.
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Step 4

VERBALLY AGREE TO PROCEED

While this is a non binding task, it will prompt you to begin the assumption process with their lender.
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Step 5

WAIT FOR THE ASSUMPTION PACKAGE

The seller will order an "Assumption Package" from their lender.  Most lenders are able to mail this to them in just a few weeks.
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Step 6

ANALYZE THE ASSUMPTION PACKAGE

Review and complete the lenders instructions with the seller. Make sure you understand and agree with the terms before you return the completed documents to the lender.
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Step 7

EXPECT 30 DAYS

Expect 30 days for the lender to complete your request. It is wise to confirm the lender has received and is satisfying the request. Some lenders may specify the amount of additional time needed.
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Step 8

KEEP YOUR APPROVAL & ASSUMPTION DOCS

The lender will notify you of approval once everything is processed and the loan transfer is complete.
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