Why You Can’t Take Your Mortgage With You (But Other Countries Can)
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Why You Can’t Take Your Mortgage With You (But Other Countries Can)
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About this listen
Could portable mortgages be the answer to our locked-up housing market? In this episode of The Brutally Honest Loan Officers Podcast, Derick and Stephen dive into the idea of portable mortgages — loans you can take with you when you move — and why they’re used in other countries but not in the U.S.
They break down:
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What portable mortgages actually are (and how they work)
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The potential benefits: mobility, affordability, inventory relief
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The big challenges: secondary market resistance, investor rules, and lender risk
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What would really need to change for this to happen in the U.S.
If you’ve ever asked, “Why can’t I keep my 3% mortgage when I move?” — this episode explains it all. It’s a smart, eye-opening look at how our mortgage system actually works… and what it would take to evolve it.