Cody Ramirez - Assumption Specialist

Cody Ramirez - Assumption Specialist Highest Producing Agent: Assumable Mortgages for Buyers & Sellers Look no further!

🏡🔑 Cody Ramirez, Real Estate Agent & Loan Assumption Specialist 🔑🏡

Passionate about helping you find the perfect property with unbeatable interest rates and incredible cash flow potential! 💰💼

🔍 Looking for an ideal primary home or a lucrative investment property? I'm here to assist you every step of the way, ensuring you find properties with interest rates as low as 2 to 3% that are perfect for

building your investment portfolio and maximizing your returns. 💪💵

✨ With my expertise in real estate and loan assumption, I bring a unique advantage to the table. I specialize in negotiating incredible deals for my clients, leveraging my knowledge of the industry to create win-win situations that benefit you. 🤝💼

🔑 Let's team up and turn your real estate dreams into a reality! Whether you're a first-time homebuyer, an experienced investor, or looking for that perfect family home, I'll go above and beyond to help you secure the best deals in the market. 🌟🏡

🌐 Contact me today to start your real estate journey with a dedicated professional who is committed to your success! Together, we'll make strategic moves that will have a lasting impact on your financial future. 🏆🔑

🏡 2.75% Assumable VA Loan — Anthem, AZA resort-style pool, saguaro-framed backyard, and stone-facade curb appeal in the ...
05/28/2026

🏡 2.75% Assumable VA Loan — Anthem, AZ

A resort-style pool, saguaro-framed backyard, and stone-facade curb appeal in the coveted Anthem community — paired with loan terms that simply don't exist in today's market.

📍 Anthem, AZ 85086
🏷️ Price: $614,913
🏡 4 Bed | 3 Bath | 2,967 sq ft | 3-Car Garage
📉 Interest Rate: 2.75%
💰 Remaining Loan: ~$523,335
💵 Cash to Close: ~$91,578
💳 Est. Payment (PITI): ~$2,874/mo

DM me for the full breakdown or to schedule a private showing.

Cody Ramirez
480-599-1734
UMe Group | eXp Realty
Listed by Doug Jones, Realty Executives Arizona Territory

🏡 4.25% ASSUMABLE — Under ContractBuilt in 2021 and showing like a brand new home, this property features 4 bedrooms, 2 ...
05/26/2026

🏡 4.25% ASSUMABLE — Under Contract

Built in 2021 and showing like a brand new home, this property features 4 bedrooms, 2 bathrooms, and over 2,200 sq ftof modern living space.

The best part? Our clients are taking over this 4.25% assumable mortgage with just ~$8,000 down. Opportunities like this are exactly why assumable loans are becoming such a powerful tool for buyers in today’s market.

📍 Casa Grande, AZ 85122
🏷️ Purchase Price: $369,000
📉 Interest Rate: 4.25%
📊 Remaining Loan Balance: ~$361,062
💰 Cash-to-Close: ~$7,937
💵 Monthly Payment: ~$2,203

DM me if you want access to opportunities like this.

Cody Ramirez
480-599-1734
UMe Group | eXp Realty

🏡 Under Contract — 2.875% Assumable Loan | Buckeye, AZAnother strong investment pickup for our client — securing this tu...
05/21/2026

🏡 Under Contract — 2.875% Assumable Loan | Buckeye, AZ

Another strong investment pickup for our client — securing this turnkey 3 bedroom, 2 bathroom home with a 2.875% assumable interest rate and a down payment of just over $33,000.

With a low monthly payment and strong long-term upside, this property is going to make for the perfect investment.

📍 26135 W Runion Dr, Buckeye, AZ 85396
🏷️ Purchase Price: $370,000
📉 Interest Rate: 2.88% (VA Assumable)
📊 Remaining Loan Balance: ~$336,922
💰 Cash-to-Close: ~$33,077
💵 Monthly Payment: ~$1,843

Opportunities to secure sub-3% financing like this are becoming harder and harder to find.

Cody Ramirez
480-599-1734
UMe Group | EXP Realty

🏡 2.80% Assumable VA Loan — BuckeyeTurnkey, designer-finished, and fully furnished — this is the easiest move you'll eve...
05/18/2026

🏡 2.80% Assumable VA Loan — Buckeye

Turnkey, designer-finished, and fully furnished — this is the easiest move you'll ever make. At a sub-3% assumable VA rate that simply doesn't exist in today's market.

Cash to close is just ~$38,385 — practically unheard of at this price point.

📍 Buckeye, AZ 85396
🏷️ Price: $530,000
🏡 3 Bed | 2 Bath | 2,321 sq ft | Built 2014
📉 Interest Rate: 2.80% (VA Assumable)
💰 Remaining Loan: ~$491,615
💵 Cash to Close: ~$38,385
💳 Est. Payment (PITI): ~$2,724/mo

DM me for the full breakdown or to schedule a private showing.

Cody Ramirez
480-599-1734
UMe Group | eXp Realty

🏡 Just Closed — 4.99% Assumable Loan | Surprise, AZAnother incredible opportunity secured for our client — purchasing th...
05/14/2026

🏡 Just Closed — 4.99% Assumable Loan | Surprise, AZ

Another incredible opportunity secured for our client — purchasing this almost-new home in Surprise with less than 5% down INCLUDING closing costs.

In today’s market, opportunities like this are hard to come by… especially with a 4.99% assumable mortgage and a low cash-to-close entry point.

📍 15628 W Smoketree Drive, Surprise, AZ 85387
🏷️ Purchase Price: $415,000
📉 Interest Rate: 4.99% (VA Assumable)
📊 Remaining Loan Balance: ~$402,919
💰 Cash-to-Close: ~$12,080
💵 Monthly Payment: ~$2,523

This is exactly how savvy buyers are winning right now.

DM me if you want access to assumable loan opportunities like this.

Cody Ramirez
480-599-1734
eXp Realty | UMe Group

🏡 2.50% Assumable VA Loan — Sedona A rare chance to own in one of Sedona's most coveted enclaves — bordering Oak Creek C...
05/11/2026

🏡 2.50% Assumable VA Loan — Sedona

A rare chance to own in one of Sedona's most coveted enclaves — bordering Oak Creek Country Club with uninterrupted red rock views that anchor every window, patio, and porch.

This single-level 4-bed, 3-bath retreat spans approximately 3,600 sq ft on a quiet cul-de-sac, with an open-concept floor plan, soaring wood-beamed ceilings, skylights pouring desert light across the great room, and a stunning stacked-stone fireplace as the heart of the home. Character lives in every detail — from rustic wood-plank accent walls and vaulted ceilings to thoughtfully layered finishes throughout.

📍 Sedona, AZ 86351
🏷️ Price: $979,000
🏡 4 Bedrooms | 3 Bathrooms | ~3,600 sq ft
⛳ Borders Oak Creek Country Club | Cul-de-sac
📉 Interest Rate: 2.50% (VA Assumable)

DM me for the full breakdown or to schedule a private showing.

Cody Ramirez
480-599-1734
eXp Realty | UMe Group

Just Closed — 2.25% Assumable VA LoanAnother big win for our buyer in Avondale! Secured this spacious home with just ~$1...
05/08/2026

Just Closed — 2.25% Assumable VA Loan

Another big win for our buyer in Avondale! Secured this spacious home with just ~$100K down and a rock-bottom 2.25% fixed rate.

📍 Avondale, AZ 85323
📉 2.25% fixed rate
🏷️ Purchase Price: $470,000
💸 Monthly Payment: ~$2,000
📊 Cash-to-Close: ~$100,000
💰 Rent Estimate: $2,300–$2,500/month
HOA: $95/month

Assumable loans like this stretch your dollar further—lower monthly costs and serious long-term savings.

Cody Ramirez
480‑599‑1734
UMe Group | Exp Realty

🏡 2.75% ASSUMABLE VA LOAN — North ScottsdaleSitting on over half an acre in 85255 with NO HOA, surrounded by $3M–$5M est...
05/08/2026

🏡 2.75% ASSUMABLE VA LOAN — North Scottsdale

Sitting on over half an acre in 85255 with NO HOA, surrounded by $3M–$5M estates — and this one could be yours for under $1M.

📍 23405 N 84th St, Scottsdale, AZ 85255
💲 Price: $989,000
📉 Rate: 2.75% (VA Assumable)
💰 Remaining Loan: ~$604,678
💵 Cash to Close: ~$384,321
💳 Est. Payment (PITI): ~$3,067/mo

4 bed | 4 bath | 2,336 sqft | 3 private master suites Updated kitchen, zoned AC, half-acre lot, HOA-free.

DM me for the full breakdown or to schedule a private showing.

Cody Ramirez
480-599-1734
eXp Realty | UMe Realty Group
Listing courtesy of • Eric T Fellows, Realty ONE Group

Under Contract — 2.75% Assumable LoanAnother strong pickup for our buyer locking in a 2.75% fixed rate in today’s market...
05/06/2026

Under Contract — 2.75% Assumable Loan

Another strong pickup for our buyer locking in a 2.75% fixed rate in today’s market — creating immediate value and long-term savings.

This Mesa property offers a low monthly payment and solid rental potential, making it a great fit for both investors and primary buyers looking for smart leverage.

Low rate. Strong numbers. Smart investment.

📍 Mesa, AZ 85206
🏷️ Purchase Price: $400,000
📉 Interest Rate: 2.75% (VA Assumable)
📊 Remaining Loan Balance: ~$315,000
💰 Cash-to-Close: ~$85,000
💵 Monthly Payment: ~$1,798
🏡 Estimated Rent: ~$2,200/mo

Opportunities like this — combining sub-3% financing with cash flow potential — don’t come around often.

If you’re looking to buy using an assumable loan, this is exactly how we help our clients win.

Cody Ramirez
480-599-1734
UMe Group | Exp Realty

Excited to welcome Thomas Gremo to the UMe family at eXp.Tom’s been in the business since 2014 and is an absolute rockst...
05/05/2026

Excited to welcome Thomas Gremo to the UMe family at eXp.

Tom’s been in the business since 2014 and is an absolute rockstar. He was actually the listing agent on the home I purchased back in 2022 — which happened to have an assumable mortgage and ended up playing a huge role in the direction of our business.

Pretty cool how things come full circle.
Looking forward to growing together. 🚀

Address

1434 E San Miguel Avenue
Phoenix, AZ
85014

Telephone

+14805991734

Website

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