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As rising interest rates continue to challenge prospective homebuyers, a growing number of industry professionals and consumers are taking a renewed interest in assumable mortgages—loans that can be transferred from seller to buyer under their existing terms. At the forefront of this shift is UMe Projects, a company focused on simplifying and facilitating these often-overlooked transactions.
Founded by Rachel Roberts, UMe Projects provides a comprehensive platform for buyers, sellers, agents, and investors navigating the assumption process. The company supports a range of activities, from coordinating with loan servicers to managing documentation and guiding approvals. This full-service model is designed to reduce the complexity and delays often associated with mortgage assumptions.
“Most people aren’t aware that they may be able to assume an existing low-interest mortgage,” said Roberts. “Our goal is to provide clarity, support, and access in a space that has long been underutilized.”.png?alt=media&token=52d8b6f2-8023-455e-9f86-88390e5d0f73)
UMe Projects specializes in loans backed by federal programs—such as FHA, VA, and USDA—which are among the most commonly assumable. Many of these loans carry lower interest rates established before recent market increases, providing a potential cost-saving path to homeownership. For qualified buyers, assuming such loans may mean lower monthly payments than newly originated loans at today’s higher rates.
The company’s approach does not aim to disrupt the real estate process but rather to enhance it. By offering tools and expertise to all parties involved, UMe seeks to make the assumption of a mortgage as straightforward as possible. According to internal data, the platform features thousands of listings tied to assumable mortgages and connects users with trained professionals who can help guide them through the process.
In addition to its transactional support, UMe also offers educational resources and training for real estate agents and prospective buyers. These materials aim to raise awareness and build competence in an area that remains unfamiliar to many. The company regularly hosts Q&A sessions and provides updates on regulatory considerations related to mortgage assumption.
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Client feedback suggests that transparency and communication are key strengths of UMe’s model. One recent homebuyer noted the team’s attentiveness and responsiveness throughout the process, while a participating real estate agent emphasized the value of having access to a low-rate VA loan for their client.As interest in assumable mortgages grows, companies like UMe Projects are playing a role in bringing more visibility to the option and supporting greater affordability within the housing market. In a challenging economic environment, these efforts may help broaden access to homeownership for buyers who are navigating tight budgets and fluctuating rates.
For more information about UMe Projects, visit the company’s website at www.umeprojects.com or explore their educational content on the following platforms: