UMe Projects, the national leader in assumable mortgages, is reshaping the conversation around homeownership affordability by offering a powerful yet underutilized path: the assumption of existing low-rate home loans. As interest rates remain high across the real estate market, UMe Projects presents an alternative that many buyers, sellers, and agents are just beginning to understand—and take advantage of.
At a time when 30-year fixed mortgage rates frequently exceed 7%, UMe Projects is opening access to loans with rates as low as 2% to 4%. Rather than introducing a new financial product, the company’s platform empowers real estate participants to assume existing FHA, VA, and USDA loans, drastically reducing monthly payments and making more deals possible in a constrained market. By focusing exclusively on the assumable mortgage space, UMe Projects has distinguished itself as both a full-service solution and a mission-driven advocate for smarter home financing.
Rachel Roberts, Founder of UMe Projects, explains the company’s origin: “Our story began with a simple question: What if the solution to housing affordability was already baked into the loans people have?” That insight formed the foundation for UMe Projects, now recognized for its integrated approach to mortgage assumptions. The company not only identifies and verifies eligible properties, but manages every step of the process—from servicer communications to document preparation and closing coordination.
The results speak for themselves. UMe Projects boasts a 100% transaction success rate across more than 5,000 verified listings, a figure that stands out in an industry known for its complex and error-prone paperwork. Its national network of agents is trained specifically in assumptions, a distinction that has helped the company build trust among first-time buyers, experienced investors, and sellers navigating a cooling housing market.
“Assumable mortgages are the biggest opportunity in real estate—and the most underused. We’re changing that,” says Patrick Celaya, Chief Marketing Officer at UMe Projects. By prioritizing education, the company is working to demystify the process through live Q&A sessions, agent training programs, and a suite of support tools aimed at empowering both consumers and professionals.
Unlike traditional platforms that primarily connect users with listings, UMe Projects operates with an end-to-end model. Once a listing is verified as assumable, the company handles all subsequent stages, from buyer qualification to servicer approvals. This hands-on approach mitigates delays, reduces uncertainty, and ensures a smoother path to closing for all parties involved. “Most platforms leave you on your own. We walk every client through the process step-by-step—and we close,” adds Mike Roberts, Co-Founder.
The platform has gained traction in a market increasingly characterized by financial pressure and a scarcity of affordable housing options. For sellers, assumable mortgages present a new advantage—homes tied to low-interest loans can often sell faster and closer to asking price. For buyers, assumptions provide access to significantly lower monthly payments, without the need for costly rate buydowns or temporary interest relief strategies.
Education is central to UMe Projects’ philosophy. The company regularly hosts webinars and live sessions to clarify key assumptions eligibility requirements, provide transaction timelines, and answer questions from realtors and prospective clients. This commitment to transparency and support has contributed to the platform’s rapid adoption, especially among agents seeking innovative ways to assist clients in high-rate environments.
UMe Projects’ impact is not just theoretical. Real-world closings facilitated through the platform have enabled families to move into homes with monthly payments hundreds of dollars below market averages. For investors, the model provides a compelling way to expand portfolios with better cash flow and less upfront risk. As a result, the platform has attracted a broad mix of users—ranging from everyday buyers to large-scale real estate professionals looking to capitalize on the unique opportunity assumable mortgages provide.
With a dedicated team, proven systems, and a scalable network, UMe Projects is positioned to lead a national shift in how housing finance is approached. Rather than accept high-interest loans as inevitable, the company invites buyers and sellers to rethink what’s possible.
“We’re not just listing properties—we’re giving people access to loans they thought were off-limits,” says Rachel Roberts. It’s this combination of innovation, education, and execution that positions UMe Projects as a standout in the real estate technology landscape.
For those navigating the current housing market, UMe Projects offers more than just listings—it delivers leverage, clarity, and results. By transforming assumptions from a niche opportunity into a mainstream tool, the company is expanding access to affordable homeownership and redefining the homebuying experience for the modern consumer.
Learn more at umeprojects.com or contact the team directly at su*****@*********ts.com. Follow UMe Projects on YouTube, Instagram, TikTok, and Facebook.
