Loans Elevated
Top 1% Loan Officer Nationwide, Broch Lassig, is bringing you his knowledge of the industry, business tips, and real estate strategies along side TJ Heidenreich and Ryan King from The Lassig Team. So whether you are buying your first home, a loan officer yourself, or looking for your 3rd investment property, we have something for all of you. Helping you create wealth through homeownership.
Loans Elevated
Episode 163: Portable Mortgages | Why They’ll Never Work in the U.S. Housing Market
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.
🎙 Welcome to the Loans Elevated Podcast!
Your go-to source for expert insights on mortgages, real estate trends, and home financing strategies. Whether you're a first-time homebuyer, real estate agent, or seasoned investor, we break down key topics to help you make informed financial decisions.
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Hosted by:
📢 Broch Lassig, Branch Manager NMLS340314
📢 TJ Heidenreich, Sales Manager NMLS1802412
📢 Ryan King, Loan Officer NMLS1870771
Branch NMLS2048956
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details.
CrossCountry Mortgage, LLC. NMLS3029 (www.nmlsconsumeraccess.org)
🔹 Disclaimer: The information in this podcast is for educational purposes only and not a substitute for professional financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions.
