# Why You Can’t Take Your Mortgage With You (But Other Countries Can)

Page: https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911/why-you-can-t-take-your-mortgage-with-you-but-other-countries-can
Text version: https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911/why-you-can-t-take-your-mortgage-with-you-but-other-countries-can.md
Podcast: [The Brutally Honest Loan Officers](https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911)
Published: 2025-12-02T13:48:30+00:00
Episode link: https://TheBrutallyHonestLoanOfficers.podbean.com/e/why-you-can-t-take-your-mortgage-with-you-but-other-countries-can/
Audio file: https://mcdn.podbean.com/mf/web/pv4b2smday8mbw79/Why_You_Can_t_Take_Your_Mortgage_With_You_But_Other_Countries_Can_96ajk.mp3
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Duration seconds: 1380

## Resource

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: What portable mortgages actually are (and how they work) The potential benefits: mobility, affordability, inventory relief The big challenges: secondary market resistance, investor rules, and lender risk 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.

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## Transcript

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