Observed arrival · 2026-11-12
Assumption Clock: mortgage timelines by servicer
A public, community-reported tracker of how long mortgage assumptions take, with timelines grouped by loan servicer and loan type.
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✦Pretty
●Pro
◎Niche
◉Human
⚑Risk
ƒJS
- For
- Homebuyers and sellers navigating mortgage assumptions
- Worth noticing
- Only eight of 33 reports use exact dates or day counts; the other 25 are marked approximate.
Field notes
The page separates FHA, VA, USDA, and conventional reports, and entries can include status, source, reporter role, timing, and issue labels such as title coordination or re-requested documents. The leaderboard puts servicers with at least two closed reports ahead of low-data entries; visible examples cite Reddit and BiggerPockets posts. Some entries describe unresolved cases rather than completed timelines.
Observed signals
Read the marks
Editorial observations of this landing page, not a rating.
○OpenPublic substance visible
●ProPolished or operationally mature
◎NicheUnusually specific use
ƒJavaScriptBrowser-side code central
One card from the complete issue