Roam's exclusive lender partner since 2024
Assume a 2–4% Rate.
As a Roam-certified partner and assumption expert, I help buyers assume existing low-rate mortgages — and help sellers use their rate as a competitive advantage.
Dan Frey has been Roam's exclusive lender partner since 2024. In concert with agent partners, he helps buyers find assumable mortgaged properties and assists sellers in marketing their low rate.
Call Dan — 321.758.7010$400,000 loan — monthly payment comparison
Today's rate
6.75%*
30-yr fixed · APR 6.918%*
$2,594*
per month
Assumed rate
2.75%*
30-yr fixed · APR 2.918%*
$1,633*
per month
save $961/mo*
*See full APR disclosure below. For illustration only.
Who we work with
Buyers
Assume a 2–4% rate today.
Homes with 2–4% assumable mortgages are out there. Our nationwide agents find them. Dan's team works with you and the seller's mortgage servicer to close them.
Sellers
Sell faster. Command a premium.
Assumable mortgages command a premium. Dan coordinates with your listing agent to make your rate the showstopper.
Agents
Close assumptions with confidence.
Assumptions are complex. Our team has the experience, servicer relationships, and expertise to prequalify buyers, guide sellers, and facilitate the transaction from prequalification to closing.
The math is simple
See what an assumed rate actually saves you
On a $400,000 loan, the difference between today's market rate and an assumed rate isn't a rounding error — it's nearly $1,000 a month.
Today's market rate
6.75%*
30-year fixed · APR 6.918%*
Monthly payment
$2,594*
principal & interest
You save
$961
every month
$11,532
per year
$346,000+
over 30 years
Assumed rate
2.75%*
30-year fixed · APR 2.918%*
Monthly payment
$1,633*
principal & interest
*Example based on a $400,000 loan amount, 30-year fixed-rate mortgage, 360 monthly payments. APR calculated assuming $1,500 in prepaid finance charges. 6.75% interest rate = 6.918% APR; monthly payment $2,594. 2.75% interest rate = 2.918% APR; monthly payment $1,633. Payments shown reflect principal and interest only and do not include taxes, insurance, or other charges; actual payment obligation will be greater. Rates shown are for illustrative purposes only and do not constitute an offer or commitment to lend. Not all borrowers will qualify. Dan Frey | NMLS #883751 | UMe Projects | Equal Housing Lender.