A pledged asset mortgage utilizes the value of the client's stock or other marketable securities portfolio as collateral to facilitate a real estate transaction.  It can be used instead of or in addition to a mortgage to achieve more lending flexibility or a higher loan to value.  It is not secured by the real estate property itself; it is simply a stand-alone securities-based (stock) loan or credit line. 

     Securities-based financing can offer a fast and easy loan alternative for your borrower without regard for credit history, property value, income docs or debt ratios.  Most importantly, the client does not need to sell off their securities portfolio or disrupt their long term investment goals to obtain the funds they need.
 

     With a minimum loan amount of just $100,000, a borrower who owns securities doesn’t have to be millionaire to take advantage of this great mortgage alternative.  In fact, a resourceful mortgage professional will always consider the borrower’s investment assets when determining the best overall lending strategy, as there is likely a speedy funding solution which can make you a hero to your client and open the door to a whole new base of prospects, referral business and the potential for 7 figure income. 

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