Unlock Your Home's Full Potential Sell with UMe!

Why Us

Why Sell With UMe

Increase the Number of Buyers That Can Afford Your Home

Buyers are not technically prequalified for a mortgage amount. They are qualified for a specific payment. With your low rate/payment assumable loan, more buyers are qualified to purchase your home.

Our Team

Have an experienced team managing the entire process, at no cost to you!

Faster Turn Times

Sell faster and for more money.


Our Process

Selling Process With UMe

Using Ume to sell your home is simple and stress-free. We work with your agent to certify your home loan as assumable and market it accordingly. If you don’t have an agent, no problem! We can match you up with an experienced and local expert.

Step 1

Get Your Loan UMe Certified
We work directly with your servicer to get all the assumption details for your specific loan

Step 2

Find More Buyers
List your home with your low-rate mortgage and find more buyers.

Step 3

Sit Back and Relax
We take care of working with your agent, the servicer and the buyers…so you don’t have to.

Step 4

Get Your Money
Get the money put in your account directly. Congratulations on a great decision of selling your home faster and for more money…with UMe

There are no fees for sellers.

Read. Our. Lips. - It's FREE
The buyer paid fee of 1% of the purchase price is paid upon a successful closing and through the transaction closing costs. This assures everyone a stress-free experience.

How UMe works


Eligible Mortgage Loans in US
Nearly a quarter of all outstanding mortgages are assumable FHA and VA loans


Homes Currently Listed for Sale
Many of these are eligible to be assumed…but they are going fast!

Frequently Asked Questions

All VA and FHA loans are assumable per the US Government. Technically other loans could also be assumable but most conventional loans have a Due on Sale clause. Simply put, this means if you sell the home, the lender has the right to be paid back.
If an assumable loan has a rate well below current mortgage rates, it is highly coveted. Buyers are able to take over that rate and payment. There is value in having a lower monthly mortgage payment.
The down payment needed is the difference between the sales price and the amount owed on the assumable loan. This varies with each home. In some cases, we have seen homes with ZERO down payment needed.
UMe has lender partners that are able to help finance part of the down payment needed. There are also other creative financing options available to buyers and sellers.
Once the buyer has assumed your loan, you are no longer responsible and have no liability for it.
The short answer is no. You have not lost your entitlement. VA phrases it as encumbered. Once the loan is either refinanced or paid off, your entitlement is fully restored. Until that time, you may still have bonus entitlement and the ability to get another VA loan. Call us for details.
Of course. Our business model is built around educating agents and arming them with all the tools they need to help buyers and sellers take advantage of this true win-win.
The buyer paid fee of 1% of the purchase price is paid upon a successful closing and through the transaction closing costs. This assures everyone a stress-free experience.
We're on a mission.

At UMe, we’re educating buyers, sellers and agents with the most up to date assumption information available. Your education is the key to both your and our success.

Contact Details

Monday - Friday: 9am - 5pm
Saturday: 10am-4pm
Sunday: By Appointment


UMe Realty Group is committed to and abides by the Fair Housing Act of Equal Opportunity.