{"id":532,"date":"2025-12-29T09:00:00","date_gmt":"2025-12-29T09:00:00","guid":{"rendered":"https:\/\/www.mannmortgages.com\/blog\/?p=532"},"modified":"2025-12-29T09:00:00","modified_gmt":"2025-12-29T09:00:00","slug":"how-portable-mortgages-actually-work","status":"publish","type":"post","link":"https:\/\/www.mannmortgages.com\/blog\/?p=532","title":{"rendered":"How Portable Mortgages Actually Work"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/paul-mann-4\/portable-mortgages-work\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Portable mortgages let homeowners transfer an existing low-rate loan to a newly purchased property.<\/p>\n<p>When upgrading to a pricier home, borrowers must cover cost differences with cash or higher-rate loans.<\/p>\n<p>The U.S. lacks portable mortgages due to long loan terms and reliance on mortgage-backed securities.<\/p>\n<p>Portability works abroad because shorter mortgage terms reduce risk of decades-long interest-rate commitments.<\/p>\n<p>While helpful for current owners, portable mortgages may raise home prices and offer minimal benefit to newcomers.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Portable mortgages let homeowners transfer an existing low-rate loan to a newly purchased property. When upgrading to a pricier home, borrowers must cover cost differences with cash or higher-rate loans. The U.S. lacks portable mortgages due to long loan terms and reliance on mortgage-backed securities. Portability works abroad because shorter mortgage terms reduce risk of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":533,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/532","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=532"}],"version-history":[{"count":1,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/532\/revisions"}],"predecessor-version":[{"id":534,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/532\/revisions\/534"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=\/wp\/v2\/media\/533"}],"wp:attachment":[{"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mannmortgages.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}