The product.
Millions of homeowners are locked into 2–3% mortgages they can't afford to give up — even when their lives demand a move. Aronwold provides the infrastructure for portfolio lenders to solve that problem, on their own terms, without holding additional credit risk.
Mortgage Portability
When a member wants to move, their existing low-rate loan travels with them to the new property. A second loan covers the difference in purchase price. The result is a blended rate that's far more affordable than starting over at today's rates — and a member who can actually say yes.
For the lender, it's a chance to deepen a relationship rather than lose one. The member stays, a new loan gets originated, and capital that was sitting still starts working again.
Aronwold handles the transaction infrastructure — underwriting framework, title coordination, and closing mechanics — so the lender can focus on what it does best: serving its members.
We screen your mortgage portfolio to surface borrowers most likely to want to move — using loan vintage, LTV, geography, and life-stage signals.
We build the legal and underwriting framework for each portability transaction — standardized for speed, repeatability, and your existing compliance environment.
We coordinate closing, title, and lien transfer. The lender retains the member relationship and originates the new loan. The member gets to move.
Get in touch.
Whether you're a lender looking to better serve members who want to move, or a homeowner who's felt stuck in place — we'd love to hear from you.
Portfolio lenders: we are currently onboarding design partners for our pilot program. Early partners shape the product and receive preferred economics on initial transactions.
Homeowners: join our waitlist. We're building a network of borrowers who want to move but can't give up their rate. When Aronwold launches with your lender, you'll be first to know.