<p>Today's conversation is with Ryan Thomson—real estate agent, investor, and the go-to expert on assumable mortgages.</p><p><br /></p><p>In a market where high interest rates are pushing the dream of homeownership out of reach, Ryan has doubled down on a little-known but powerful strategy: assuming loans. His approach is unlocking 2–3% interest rates for today’s buyers—and he's on a mission to make homeownership and investing accessible again.</p><p><br /></p><p>From social work to house hacking to launching a niche real estate business, Ryan shares how assumable mortgages are helping first-time buyers, investors, and sellers alike. Whether you’ve never heard of an assumable loan or you’ve been curious about the mechanics, this episode breaks it all down.</p><p><br /></p><p>If you're looking for real solutions to today’s affordability crisis, come alongside me and learn how assumable loans might be the game-changer you’ve been waiting for.</p><p><br /></p><p>0:00 Intro</p><p>1:42 Ryan’s journey from social work to real estate</p><p>4:55 Why assumable mortgages are making a comeback</p><p>8:14 How assumptions differ from sub-to deals</p><p>11:35 Creative solutions for funding equity gaps</p><p>14:55 Why banks resist assumptions (and how to work around it)</p><p>17:17 Ryan’s 3-part business model</p><p>21:06 Case study: investor wins with a 2.75% rate</p><p>26:30 Wyatt’s brokerage model and vision for Ascend</p><p>30:14 Expanding access to homeownership through assumptions</p><p>34:37 Vision for 25,000 doors and housing as impact<br /></p><p>Resources Mentioned:</p><p>🌐 Ryan’s Website: <a href="https://theassumableguy.com" rel="ugc noopener noreferrer" target="_blank">https://theassumableguy.com</a> </p><p>🌐 Connect with Wyatt: <a href="https://wyattgraves.com" rel="ugc noopener noreferrer" target="_blank">https://wyattgraves.com</a><br /></p>