Finding a 3% mortgage in 2026 feels like discovering a working payphone—legendary, slightly suspicious, and probably involves talking to a ghost. Apparently, the secret to homeownership isn't "grinding," it's just finding someone who locked in a decent rate before the world caught fire and then... taking it from them. It’s called an "assumable mortgage," which is basically finance-speak for inheriting a stranger’s better life choices. Why navigate this mess when you can just wear someone else’s 2021 financial skin? The scavenger hunt is officially on. 🏚️✨

https://www.npr.org/2026/02/15/nx-s1-5704697/assumable-mortgage-rates-housing-market