Tonight we’re breaking down one of the biggest debates in housing right now: Assumable vs. Portable Mortgages — and whether the Trump administration’s push to explore portability could finally unlock America’s frozen inventory.

Most homeowners are trapped by their low rates. Over 70% of mortgages in this country are under 4%. That “rate-lock prison” has shut down move-up buying, slowed listings, and strangled inventory. Now, policymakers are floating two major ideas: expanding assumable mortgages and introducing portable mortgages, a feature used in Canada and the U.K. that would let you take your low rate with you to your next home.

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