The 6 Steps to a Successful Assumption

🌟 Make the Most of Assumable Loans With a Clear Process

Assumable loans can save buyers thousands of dollars in interest and help sellers attract more offers — but only if the process is handled correctly. At SoCal Realty & Investments, we follow a proven six-step system to ensure your assumption goes smoothly from start to finish.

1️⃣ Connect With an Trained Agent

Not every agent understands how to handle an assumption. We do. We’re AssumeList subscribers who have completed comprehensive assumption training. That means we know the rules, the paperwork, and the strategies to help you secure the home you want with the seller’s low-rate loan.

2️⃣ Sign Your Buyer Representation Agreement

Once your buyer representation agreement is signed, we can give you free access to AssumeList. This powerful tool helps us identify homes with assumable loans both on and off the market.

3️⃣ Have a Strategy Talk With Your Agent

We don’t just set up a search and walk away. We’ll meet with you to map out your strategy, including:

• Running an on-market search under “Assumable Search”

• Guiding you through an off-market property search

• Explaining both options and why the Easy Button feature helps win offers

This upfront planning gives you an edge in competitive situations.

4️⃣ Connect With Our AssumeList Preferred Lender

Our preferred lenders are trained in the Primary PLUS Secondary strategy. They can:

• Pre-approve you for your primary mortgage and run scenarios for any cash gap

• Issue a pre-approval letter that makes your offer more attractive

• Reassure sellers that you’re 100% qualified to complete the assumption

This step alone can dramatically strengthen your negotiating position.

5️⃣ Identify Listings (or Off-Market Properties) You Like

With your paperwork squared away, you’re ready to start shopping. We’ll help you clearly define your needs and wants so you can move quickly when the right property appears.

6️⃣ Make a Deal!

Finally, we’ll guide you through:

• Preparing a competitive assumption offer

• Using the AssumeList Easy Button to speed up and strengthen the approval process

• Rapidly responding to servicer requests

• Closing smoothly and planning your housewarming party
  

🚀 The Bottom Line

With the right guidance, assumable loans don’t have to be complicated. Our six-step system gives you a clear path to finding, qualifying for, and closing on a home with an assumable loan.

If you’re ready to take advantage of low-rate assumable mortgages and save thousands over the life of your loan, contact us today to start the process.

Andrew Georgitsis SoCal Realty & Investments DRE#02266192

866-322-5487 www.socalrealtyandinvestments.com