There’s a mortgage strategy most agents and even lenders don’t talk about.
Not because it doesn’t work, but because it doesn’t benefit them the same way.
It’s called an assumable mortgage and it could completely change how buyers afford homes in today’s market.
In this episode of Real Estate Insiders Unfiltered, James and Keith sit down with Ryan Thomson, also known as “The Assumable Guy,” to break down how this strategy works and why it’s making a comeback right now.
Because here’s the reality: these loans have existed for decades, but most of the industry forgot about them.
And now, in a high-rate environment, they’re one of the most powerful tools agents can use.
This episode dives into:
- What an assumable mortgage actually is
- Why FHA and VA loans can be transferred to buyers
- How buyers can lock in 2–3% interest rates
- How to find assumable deals in your market
- Why this niche is creating massive lead opportunities
Ryan also shares how he built a business around this strategy, generating 100+ leads per week and closing millions in volume from a niche most agents ignore.
Because in real estate the biggest opportunities are usually hiding in plain sight.
Connect with our guest, Ryan Thomson:
Learn more about The Assumable Guy:
Stay ahead of the market with insights from Zillow’s Consumer Trends Report.
This annual research breaks down what buyers and sellers are actually doing — and what they expect from their agents.
With 55% of buyers being repeat buyers, yet only 13% using their previous agent again, the message is clear: past performance doesn’t guarantee future loyalty. Even more telling, nearly half of buyers and over half of sellers hire the first agent they contact.
Today’s clients prioritize pricing strategy, negotiation expertise, and a seamless, organized offer process. If you want to position yourself as the agent they choose in 2026, start with the data.
Put these insights to work in your business
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