Porting Mortgages Helps Homeowners Beat High Rates

Moving homes is harder today as rising rates and stricter lending rules limit flexibility for homeowners.
Mortgage porting lets you transfer your existing loan, rate, and term to a new property.
Most lenders require closing both sales within 30–120 days and requalifying under current standards.
Porting helps avoid thousands in penalties and keeps lower payments if rates have since increased.
Still, it limits lender choice and flexibility—careful timing and contract review are essential before moving.