{"id":125,"date":"2026-10-14T13:59:35","date_gmt":"2026-10-14T13:59:35","guid":{"rendered":"https:\/\/www.cynthiastarkshomes.com\/blog\/2026\/10\/14\/unlocking-value-from-low-rate-mortgages\/"},"modified":"2026-10-14T13:59:35","modified_gmt":"2026-10-14T13:59:35","slug":"unlocking-value-from-low-rate-mortgages","status":"publish","type":"post","link":"https:\/\/www.cynthiastarkshomes.com\/blog\/2026\/10\/14\/unlocking-value-from-low-rate-mortgages\/","title":{"rendered":"Unlocking Value From Low-Rate Mortgages"},"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\/cynthia-starks\/unlocking-low-rate-remotion-videos-fc0d\" 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>Homeowners replacing ~3% mortgages with new loans near 7% may tap a low-rate loan&#039;s value when selling, creating funds that can help finance a move.<br \/>\nThrough defeasance, borrowers pledge US government securities to a trust or escrow agent, which then makes scheduled principal and interest payments on the mortgage.<br \/>\nIn the example, a $500K ~3% mortgage had a $444.5K remaining balance after 5 yr, while matching Treasury collateral then cost $360.6K.<br \/>\nFor portfolio lenders, a defeased mortgage still stays at amortized cost, while US government securities backing can also qualify for lower regulatory capital treatment.<br \/>\nA lender recently closed the first transaction in a new residential program, signaling defeasance can be a real option that may ease mortgage lock-in.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners replacing ~3% mortgages with new loans near 7% may tap a low-rate loan&#039;s value when selling, creating funds that can help finance a move. Through defeasance, borrowers pledge US government securities to a trust or escrow agent, which then makes scheduled principal and interest payments on the mortgage. In the example, a $500K ~3% [&hellip;]<\/p>\n","protected":false},"author":100,"featured_media":126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-125","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/125","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/comments?post=125"}],"version-history":[{"count":0,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/posts\/125\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/media\/126"}],"wp:attachment":[{"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/media?parent=125"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/categories?post=125"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cynthiastarkshomes.com\/blog\/wp-json\/wp\/v2\/tags?post=125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}