Somewhere, in a parallel universe, Mariah Carey is walking around some supermarket, sick of listening to me sing Christmas carols. This is, of course, a humorous assumption, but what isn’t so humorous is the discussion begun by the Trump Administration about assumable mortgages, arguably the bane of MBS investors. Locked-in mortgage rates and frozen inventory have pushed an old idea back into the spotlight: the assumable mortgage, a feature long limited to FHA and VA loans but now debated as a potential fix for an affordability crisis that rate cuts alone cannot solve.
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