Rates as low as 2%
Assumable Homes for sale in Nevada
Find homes with ultra low rates. Save thousands every month.
2000+ UMe Assumable Properties available
What is an assumable mortgage
An assumable mortgage allows a homebuyer to take over a seller’s current loan, locking in ultra low interest rates and saving on closing costs.
Ultra Low Interest Rates
Assumable homes have lower interest rates, typically around 2-4%. This lower rate can significantly slash your monthly mortgage payment in half, giving you more buying power and long-term savings.
Lower Closing Costs
Assumable homes can save you thousands in closing costs since they may not require an appraisal, origination fees, or other expenses typical of a new mortgage—keeping more money in your pocket.
Thousands in Interest Paid
With an assumable loan, thousands in interest have already been paid, so you’re not starting from square one like with a new mortgage. More of your payments go toward the principal, helping you build equity faster.
How it works with Alt Group
1
Get pre-screened to assume
Our partner, UMe, qualifies you to make sure you’re eligible to assume with a low rate, guaranteed.
Apply to Assume2
Shop for low-rate homes
Browse through more than 2,000 properties and inquire about the ones you like best.
Explore all listings3
Close on your dream home
UMe collects 1% of the purchase price and handles the entire assumption process for a stress-free experience.
Start Browsing PropertiesWe proudly partner with UMe, the home assumption experts
Loan assumptions are making a comeback from the 80’s, but most servicers are still figuring them out. That’s why we partner up with UMe Projects, the national loan assumption experts.
UMe has built exclusive relationships with servicers—even helping shape policies—to make home loan assumptions seamless.
Assuming a loan is a win-win for everyone
Mortgage assumptions can significantly lower a buyer's monthly payments, have lower interest rates, and offer savings on closing costs.
For sellers, mortgage assumptions open the door to a larger pool of qualified buyers. Many times this results in higher sales prices.
Investors can grow their real estate portfolios by using low-rate loan assumptions, gaining access to properties with great financing terms.
Alt Group
Billy Alt is a certified assumption expert
Billy has completed advanced training in loan assumptions—an area most agents overlook. They understand the detailed steps, lender requirements, and how to guide buyers and sellers smoothly through the process. With Billy , you’re not just getting a realtor—you’re getting a knowledgeable partner who knows how to turn a complex process into a smart opportunity.
Do You Have Any Questions?
Check out this FAQ to get more informationAn assumable mortgage is a home financing option where the buyer takes over the seller's existing mortgage terms. This can be highly beneficial, often leading to lower monthly payments. Certain government-backed loans like FHA and VA loans are assumable, and many are available.
While final approval comes from the current mortgage servicer, the process generally requires the buyer to meet the lender’s qualification criteria. If you qualify for an FHA mortgage, you should also be eligible to assume one.
Once you register, our team will reach out to you and curate a list of properties with low-rate assumable mortgages that match your needs.
In times of high interest rates, taking over an existing mortgage with a rate as low as 2% can result in significant savings. An assumable mortgage allows you to secure your dream home without overpaying on interest.
Yes. Buyers must cover the seller’s equity, which is the difference between the sale price and the remaining mortgage balance. This can be paid in cash or through a secondary mortgage. We can connect you with lenders for financing options.
FHA and VA loans are assumable by default. Most conventional loans are not assumable, but some lenders may allow assumptions under special conditions.
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Agent/Broker
Billy AltAlt Group (702) 250-1090info@altgrouplv.comMLS BS.1001764Resources
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