I'm Ryan Thomson.
The Assumable Guy.
I didn't set out to become the assumable mortgage guy. I was a social worker for seven years making $35K a year. But I figured out house hacking, built a portfolio of five properties in Colorado Springs, and eventually transitioned to real estate full-time.
Then interest rates killed the house hacking math. So I went looking for a better way. And I found it: assumable mortgages. The comeback tour, baby.
How I Got Here
I spent the first seven years of my career as a social worker. Good work, important work, but $35K a year doesn't go far in Colorado. I needed to figure out how to build wealth.
That's when I discovered house hacking. Bought my first property, converted the garage into a rental. Then did a basement conversion. Then a duplex where I lived in one side and rented the other. Did the Airbnb thing. Five properties later, I had a real portfolio.
I transitioned to real estate because I wanted to help other people do what I did. Built a brand around house hacking in Colorado Springs. Things were going great.
Then rates went to 7%. And the math on house hacking stopped working for most people. A duplex that cash-flowed at 3% doesn't cash-flow at 7%. Simple as that.
So I went looking for the next play. And I stumbled on assumable mortgages.
Here's the thing: there are millions of FHA and VA loans out there with rates between 2% and 4%. Locked in during 2020 and 2021, back when rates were at historic lows. And by law, those loans are assumable. A buyer can take over the seller's existing loan, at the seller's rate.
We're basically Marty McFlying those rates. Reaching back in time, grabbing a 2.5% rate, and bringing it to the present. No refinancing, no luck needed.
I've closed 7+ assumptions in a single quarter. I'm Roam's preferred buyer agent on the entire Front Range. And I'm all in on these because the numbers speak for themselves: saving buyers $800-$1,200 per month, every single month, for 25 years.
That's not marketing. That's math.
Why Work With Me
Certified Assumption Expert
I've completed advanced training in loan assumptions. Most agents have never done one. They don't understand the process, the lender requirements, or how to actually get one closed. I do. I've done the work, built the relationships, and know how to push these through.
I'm not just listing these properties. I'm walking buyers through every step: qualification, equity gap solutions, servicer communication, and closing. That's where I come in.
The Mission
Most people don't know assumable mortgages exist. There's a lot of misconceptions, and a lot of people just don't know it's an option. I'm changing that.
My goal is simple: help as many buyers as possible lock in rates that shouldn't be possible in 2026. Educate the market. Show agents how to work with assumptions. And make homeownership more affordable for people who thought they were priced out.
Whether you're a first-time buyer, an investor, or an agent who wants to learn this niche, I want to help.