About UMe Projects
Making real estate
a win-win for everyone.
We help buyers, sellers, realtors, and investors succeed with assumable mortgages — and we handle the entire assumption from start to finish so you don’t have to.
The National Loan Assumption Experts, based in Phoenix, AZ.
Why UMe Projects
We take the hassle
out of assumable mortgages.
At UMe Projects, you don’t navigate the assumption process alone. Unlike platforms that leave you to DIY it, we facilitate everything from start to finish.
From coordinating with servicers to preparing the perfect assumption file, we handle every detail — making the experience seamless for buyers, sellers, realtors, and investors alike.
Our mission is simple: to unlock the power of assumable mortgages and create smoother, smarter transactions that benefit everyone involved.
The reality of assumptions
Assumptions are hard.
We get them done.
Here’s the reality — and probably why you’re just hearing about them.
Banks don’t want to prioritize these transfers. They would rather add new loans to their portfolio than move existing ones, so the assumption process is intentionally difficult and inaccessible.
This is why we created UMe. Our white-glove service takes the wheel: we handle the paperwork, work directly with the servicer, chase every follow-up, and solve the problems that keep a purchase from closing.
We don’t sugarcoat timelines or guarantee closing dates. We tell you what the servicer requires, how long they usually take, and where files get stuck — before you commit.
- We know which servicer departments move quickly and where files stall.
- Established contacts and escalation channels keep the file moving.
- Regular updates so every party knows what happened and what comes next.
Why we’re different
Other platforms list homes.
We run the transaction.
While other assumption platforms only step in after a loan is under contract, we manage the entire process from day one.
How we help you
One team,
every side of the table.
Buyers
Find and purchase homes with assumable rates.
- Lower your monthly payment while today’s rates stay high.
- Skip thousands in new-loan costs and lender qualification.
- Tell us your goals and we run the process.
Sellers
Sell faster and attract more buyers.
- Make your home stand out in a high-rate market.
- Your low rate becomes the listing’s biggest selling point.
- Get a seller website so buyers can find you.
Investors
Leverage assumable mortgages to maximize ROI.
- Acquire properties with the ultra-low rates existing loans carry.
- No origination fees, no new-loan red tape.
- Keep your portfolio manageable with easy LLC setup.
Realtors
Offer your clients a financing option most agents can’t.
- Help buyers afford homes they otherwise couldn’t.
- Stand out in your market with assumption expertise.
- Close faster with no lender overhead or delays.
How it works
From pre-qualified
to getting your keys.
Here’s what happens, and what we handle for you along the way.
Get pre-qualified- 01
Get pre-qualified
We review your finances against government assumption guidelines.
- 02
Search assumable homes
Explore properties, existing rates, loan balances, and estimated payments.
- 03
Meet an assumption-ready agent
We connect you with an agent who knows how to find and negotiate these deals.
- 04
Get under contract
We review the loan and servicer, explain the timeline, and set expectations with everyone.
- 05
We handle everything to closing
We prepare the file, work the servicer, coordinate the parties, and resolve issues until you have keys.
UMe client reviews
Trusted by buyers,
agents, and investors.
I have now worked with UMe Projects on over 15 transactions, and they continue to exceed expectations every time.
UMe Assumption Specialists are the real deal. I’ve handled VA/FHA assumptions directly with servicers before and it was a total nightmare—dragged on for 120+ days.
My clients’ loan assumption was completed faster than expected, communication was great and we received updates every Thursday. It was a smooth process.
If there is a hint of difficulty, UMe will get it done — somehow.
Everything they said would happen did happen. We were clear to close before the deadline they gave.
It was our first time helping our buyers do this with UMe and it won’t be our last. So nice for our clients to assume a VA loan at 2.99%.
Meet the team
Real people
on every file.
A small team that has closed hundreds of assumptions. When you call, you talk to someone who has worked your servicer before.
Rachel Roberts
CEO & Founder
Mike Roberts
Chief Operations Officer
Kim Cavin
Processing Manager
Kristen McMullan
Customer Success
Travis Delly
Lead Developer
Patrick Celaya
Marketing Director
Contact us today
Let’s talk about
your assumption.
Buying, selling, or representing a client? Our team is ready to help you solve your mortgage problem — start with a conversation.