Client access
Skip the digging. Find VA assumable homes by the numbers.
Assume List shows the interest rate, the monthly payment and the cash gap, so you spend your time on homes that fit your budget.
Access starts after you book a call and sign a buyer representation agreement.

Estimated rate
on every listingMonthly payment
on every listingCash gap
on every listingEasy Button Team
one click awayWatch the walkthrough
See Assume List in action
Sneak peek
A look inside the tool
Every listing, with the numbers up front
See the loan balance, estimated rate, monthly payment and cash gap on each home, with a direct line to the Easy Button Team.
Screenshots from the tool. Your numbers will differ.
Your team behind the tool
Three partners. One easier assumption.
Assumption concierge: the Easy Button Team
They take the paperwork and servicer back-and-forth off your plate. Our goal is to turn a 3 to 6 month transaction into 30 to 60 days.
Typical assumption
Easy Button goal
Licensed lender: free pre-approval
Know your budget before you write an offer. Our licensed lender partner pre-approves you at no cost, so you search with a real number.
Free to you. No obligation to use the lender.
Licensed lender: piggyback loans
Cash gap too big? A licensed lender partner offers piggyback loans to cover it, so more homes on your list are in reach.
Subject to approval. See the second mortgage example in the screenshots above.
Browsing listings vs. Assume List
| Comparison | Browsing listings | Assume List |
|---|---|---|
| Finding the rate | Open each listing and read the description. It may not be there. | Shown with the home. Sort and filter by it. |
| Monthly payment | Work it out yourself for every home. | Shown with the home. |
| Cash needed | Estimate the gap, home by home. | See the gap up front. Filter by your cash budget. |
| Staying on budget | Scroll through homes that may not fit. | Filter down to homes that match your numbers. |
How you get access
- 1
Book a discovery call
Tell us your budget, timeline and where you want to live on Oahu.
- 2
Sign a buyer representation agreement
This makes you a client of our team.
- 3
Get your Assume List login
We set you up and start searching together.
What clients say
We had no hesitation choosing Patrick and Tristan again for the sale of our home. Patrick helped us buy our house years ago when we first PCSed to the area, and thanks to his creative strategies, we beat out multiple offers back then. That smooth experience made it an easy decision to work with them again — and they absolutely delivered. Throughout the selling process, communication was top-notch. We got consistent weekly updates, and whether it was Patrick or Tristan, someone was always available to answer our questions. We never had to guess what was happening — their entire team kept us completely in the loop. What really stood out was their marketing. The staging, photos, video, and online exposure were incredible — truly next-level. They even took care of the little things, like arranging landscaping so the yard looked great while we waited for closing. That kind of attention to detail meant a lot. The results? Better than we could’ve imagined. We received 12 offers, all over asking, and ended up accepting one that was $100K over our original list price! Patrick and Tristan’s creative use of our VA assumable loan, paired with their sharp negotiation skills, played a huge role in pushing the price up. We highly recommend Patrick and Tristan to anyone buying or selling in the area. Their knowledge, strategy, and support made everything smooth and stress-free. Total pros!
We couldn’t have asked for a better experience working with Patrick & Tristan. We originally bought our home with Patrick’s help, and because that went so well, we knew we wanted him and Tristan to handle the sale too. They did not disappoint. From recommending what updates to make, to staging, to bringing in a media team for photos, videos, and a virtual tour—they handled everything with care and professionalism. They were always in communication, keeping us in the loop through what can be a complicated assumable loan process. Their online marketing strategy was seriously impressive. The ads they ran got thousands of views, and we ended up getting multiple offers and selling above asking—actually one of the highest prices in our building! A moment that really stood out was when our fridge started leaking just before closing while we were out of town. Patrick & Tristan handled it within 24 hours, coordinating a handyman and making sure the sale moved forward without any issues. They made the whole experience smooth, efficient, and honestly enjoyable. I’d recommend them to anyone without hesitation.
We’ve always loved the North Shore of Oahu and decided to explore the possibility of owning a home there. That’s when we came across Tristan through a Facebook ad about VA assumable loans. From the start, he stood out—not just for his knowledge, but for how clearly and patiently he walked us through the process. He laid out all the options, pros and cons included, and helped us decide what was best for us, without any pressure. What truly impressed us was Tristan’s unwavering commitment and exceptional communication. He always made us feel like a priority, kept us in the loop at every stage, and never hesitated to find answers to our questions. He assembled an incredible team to support us, and created a smooth, stress-free experience—something we never thought possible after past disappointments with other agents. Thanks to Tristan, we ended up with a home that checks all the boxes, and the entire process—from search to closing—was seamless. His honesty, dedication, and genuine care for his clients is rare. We truly feel like we hit the lottery when we responded to his ad. If you’re thinking about working with Tristan, do it. You’ll be in the best hands possible.
Patrick Longley and Tristan came highly recommended through their YouTube channel, where we first learned about their expertise with VA assumption loans. This strategy aligned perfectly with our goals, and they proved to be exactly the right agents to guide us through it. Their professionalism stood out from day one. They laid out a clear and comprehensive plan for marketing our home, explained the intricacies of the assumption process, and helped us leverage a specialized concierge service that significantly accelerated the timeline. We sold our home over asking, thanks in large part to their savvy marketing and strong negotiation skills. Throughout the process, they kept us well-informed with regular Monday updates and Friday timelines—an approach that brought peace of mind. They also went above and beyond by connecting us with reliable vendors when we needed last-minute help. One memorable highlight was their expert handling of multiple offers, strategically negotiating each one to drive the price higher. We couldn’t have asked for better representation. We wholeheartedly recommend Patrick & Tristan for anyone looking for sharp, dedicated professionals who deliver results.
We stumbled upon Patrick & Tristan through their awesome online reviews, and right away we knew they were the right fit—especially since they specialize in VA assumption loans, which is exactly the route we wanted to take. Their knowledge in that area was next level.
12+ years · 50+ five-star reviews
Questions
Is Assume List free?
Access comes with working with our team. It is included for clients who sign a buyer representation agreement.
Do I have to be a veteran?
No. Qualified non-veteran buyers can assume a VA loan too. The seller's VA entitlement stays tied to the loan until it is paid off unless a veteran buyer substitutes theirs, so we cover that with you up front.
How fast can I close?
Our goal with the Easy Button Team is 30 to 60 days. The existing loan servicer must approve the assumption, so timelines depend on the servicer and are not guaranteed.
Are piggyback loans guaranteed?
No. They are available through our lending partners and subject to approval.
Can I use the free list without Assume List?
Yes. The RealScout list is free for everyone who submits the form. Assume List is the extra step for clients.
Ready to see the numbers?
Book a quick discovery call. If we're a fit, you'll get your Assume List login.
Pick a time that works for you
Not affiliated with or endorsed by the U.S. Department of Veterans Affairs. Patrick Longley, RS-79679, eXp Realty Hawaii.
Equal Housing Opportunity. We follow Fair Housing laws and provide equal service without discrimination.
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