Podcast Episode
As a seller, should I pay for the buyer's assumption processor?

About this episode
Yes, and Ryan makes the case with one comparison that cuts through the hesitation fast. Your principal, interest, taxes, and insurance run about $2,200 a month. Two extra months of the bank stalling costs you $4,400. That is the processor fee. You paid it either way, you just paid it to the bank instead of the person whose job was to speed them up. He walks through exactly why the servicer is the thing most likely to blow up your sale, not your buyer, and why a processor asking one specific question gets a stalling lender moving same day in a way your buyer simply cannot. He also covers the move most sellers miss: you do not have to eat this fee out of your margin. You price it in, both sides feel like they won, and the deal closes. The real comparison is not the processor fee versus nothing. It is the processor fee versus a $10,000 price cut that buys you nothing but a new number in the MLS. Ryan backs it up with the listing that came in at $519,000, bumped to $540,000, sold at $542,000 in 14 days with $2,000 in concessions on top. Buyers get a note too: if a seller offers to cover the processor, take it and do not nickel and dime on price. And if the seller will not pay it, you pay it. Do not cut the one person protecting your closing date. Hit up assumableguy.com or DM @the.assumable.guy on Instagram.