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Portable mortgages are back in the news — but can they actually work in the United States?

In this episode, the Loans Elevated squad breaks down why this “solution” sounds appealing but falls apart once you understand the U.S. mortgage system, MBS, investor risk, and how modern housing finance works.

We cover:

• What a portable mortgage is (and why borrowers love the idea)
• Why the U.S. financial system and MBS make portability nearly impossible
• How other countries use portable mortgages — and why they rely on balloon-style terms
• Why assumable mortgages don’t fix the lock-in effect
• The real affordability issue no one is talking about
• When a higher rate actually creates more household wealth
• Why financial education matters more than new loan products

If you want clarity—not clickbait—around affordability solutions, this episode will help reset expectations and show you what truly drives better financial outcomes.

Have questions or want us to run your scenario? Visit loanselevated.com.

🎙 Loans Elevated Podcast

Clear, strategic conversations on mortgages, real estate, and home financing — designed to help you make confident, informed decisions without the hype.

Hosted by Loans Elevated, presented by The Lassig Team at CrossCountry Mortgage.

🔗 Resources & links: https://lassigteam.com
📲 Follow us on Instagram & Facebook: @loanselevated

Hosts:
Broch Lassig - Branch Manager | NMLS 340314
TJ Heidenreich - Sales Manager | NMLS 1802412
Ryan King - Loan Officer | NMLS 1870771
Branch NMLS 2048956

Equal Housing Opportunity.
All loans subject to underwriting approval. Certain restrictions may apply.

CrossCountry Mortgage, LLC | NMLS 3029
www.nmlsconsumeraccess.org

This podcast is for educational purposes only and does not constitute financial, legal, or tax advice. Consult a qualified professional regarding your individual situation.