What Are Portable Mortgages?! Jason Mitchell - #1 Real Estate Broker in America Explains
Автор: Jason Mitchell
Загружено: 2025-11-19
Просмотров: 1166482
The housing market is frozen and the reason is simple:
Millions of Americans are locked into 2.5%–3.5% mortgage rates and can’t justify selling their home only to take on a 6.5% rate and a higher purchase price.
But a new proposal called the Portable Mortgage could be the biggest housing shift in decades.
In this video, I break down:
🔹 Why assumable mortgages don’t actually solve the problem
🔹 The real math behind the $500,000 → $300,000 → $200,000 “gap”
🔹 How blended rates destroy the appeal of assumable loans
🔹 What a portable mortgage is and how it actually works
🔹 The 2021 example ($350k @ 3%) and how it transfers to a $500k home
🔹 Why move-up buyers are stuck in “mortgage jail”
🔹 How this single change could unlock MILLIONS of transactions
🔹 What this means for lenders, underwriting, and the entire housing market
If this gets approved, it could completely reshape real estate mobility....
👇 Comment below:
Would you move if you could keep your current mortgage rate?
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