An Idea Born from a Problem: Why We Created Mortgage Handoff
Like millions of homeowners, we found ourselves in a strange position in 2025: we loved our low mortgage rate, but our family’s needs were changing. We felt trapped by “golden handcuffs”—a 2.75% interest rate that was impossible to walk away from, yet a growing need to find our next home.
The traditional real estate market had no answer. It only knew how to sell a house, not how to value the incredible financial asset that was our mortgage. We knew there had to be a smarter way. We realized we shouldn’t just be selling our house; we should be handing off our mortgage to a savvy buyer who understood its immense long-term value.
From that realization, MortgageHandoff.com was born.
Our Mission: To Empower Homeowners and Buyers
Our mission is twofold, evolving as our journey progresses:
- The Case Study (Phase 1): Initially, this site is the live, transparent case study of our own “mortgage handoff.” We are using this platform to market our Kingwood, TX home and its 2.75% assumable mortgage directly to long-term thinkers and investors, documenting the process along the way.
- The Resource Hub (Phase 2): After the successful sale of our home, this site will grow into the premier resource hub for creative home financing. We will share everything we’ve learned—our successes, our mistakes, and our strategies—to help other homeowners unlock the hidden value in their own mortgages.
Meet the Founders
We’re a family right here in the Houston area navigating the same challenges many others are facing. We believe in financial literacy, creative problem-solving, and transparency. We aren’t real estate agents or a big corporation; we’re just people who believe there’s a better, smarter way to approach real estate in a high-interest-rate world.
How You Can Get Involved
Whether you’re a buyer, a fellow homeowner, or a professional, there’s a place for you here.
- For Buyers: If you are interested in our unique Kingwood property opportunity, the best first step is to join our VIP Interest List.
- For Learners: If you want to follow our journey and learn more about creative real estate financing, we invite you to read our latest articles on the blog.
- For Professionals: If you are a Realtor, lender, or other professional with expertise in this area, we invite you to learn more about our partnership opportunities.
Thank you for being here. We believe this is the future of real estate, and we’re excited to share the journey with you.