{"id":103,"date":"2026-09-29T17:00:00","date_gmt":"2026-09-29T17:00:00","guid":{"rendered":"https:\/\/www.ericbergersrealestate.com\/blog\/?p=103"},"modified":"2026-09-29T17:00:00","modified_gmt":"2026-09-29T17:00:00","slug":"the-move-act-portable-mortgages-fyp","status":"publish","type":"post","link":"https:\/\/www.ericbergersrealestate.com\/blog\/2026\/09\/29\/the-move-act-portable-mortgages-fyp\/","title":{"rendered":"The MOVE Act: Portable Mortgages | fyp"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/eric-bergers\/move-act-mortgage-remotion-videos-130c\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Many owners hold low-3% to low-4% mortgages while current rates sit near 7%, making a move far more expensive and keeping some households in place.<br \/>\nA recent listings report said ~50% of mortgaged homeowners were below 4%, 17% sat between 4% and 5%, and ~20% were above 6%.<br \/>\nThe proposal would make some conventional mortgages portable, letting owners carry rate, term, and balance to a new home instead of starting over.<br \/>\nIt applied to conventional loans purchased by two government-backed mortgage buyers, excluded FHA, VA, and USDA loans, and set 180-day and 90-day deadlines.<br \/>\nPortable mortgages could free up inventory, protect built equity, and help owners respond to job moves, marriage, divorce, downsizing, or other life changes.<br \/>\nThe measure is not law, has no confirmed vote date, and still leaves unanswered how buyers would finance any amount above their existing balance.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many owners hold low-3% to low-4% mortgages while current rates sit near 7%, making a move far more expensive and keeping some households in place. A recent listings report said ~50% of mortgaged homeowners were below 4%, 17% sat between 4% and 5%, and ~20% were above 6%. The proposal would make some conventional mortgages [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=103"}],"version-history":[{"count":1,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/103\/revisions"}],"predecessor-version":[{"id":120,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/103\/revisions\/120"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/media\/104"}],"wp:attachment":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}