Lender Obstacles Threaten Intergenerational Transfer of Low-Rate Mortgages

By Allaire Conte · Realtor.com · 2026-08-04

According to Realtor.com, heirs are struggling to retain sub-3% mortgage rates as lenders utilize administrative delays to push for high-rate refinances. The investigation found that servicers frequently block account access and ignore federal protections that allow relatives to

According to Realtor.com, heirs are struggling to retain sub-3% mortgage rates as lenders utilize administrative delays to push for high-rate refinances. The investigation found that servicers frequently block account access and ignore federal protections that allow relatives to