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SyntheticFi: Stock-Based Mortgage Solutions

Unlock the Power of Your Investments

SyntheticFi offers a revolutionary way to secure low-interest mortgages by using your stock investments as collateral. Say goodbye to traditional mortgage constraints and hello to financial flexibility.

Key Features

• Low Interest Rates: Lock in a 3-year fixed rate at 4.9% or opt for a floating rate starting at 5.8%.
• No Closing Costs: Only pay the advertised interest rate, with no hidden fees.
• Interest-Only Payments: Pay only the interest on your mortgage each month.
• Credit Neutral: Securities-backed loans that do not affect your credit score or debt-to-income ratio.
• Fast Closing: Close in as little as 7 days if your stocks are already held at an eligible custodian.

Use Cases

• Down Payment Assistance: Use SyntheticFi loans to cover your down payment.
• Combination with Traditional Mortgages: Pair with a traditional mortgage without affecting your creditworthiness.
• Flexible Financing: Ideal for homebuyers looking for non-traditional financing options.

Pricing

• 3-Year Fixed Rate: 4.9% for the first 3 years, then base rate + 0.75%, resetting every 6 months.
• Floating Rate: Starts at 5.8%, with the interest rate resetting every 6 months based on the SOFR rate plus 0.75%.

Teams

SyntheticFi is backed by Combinator and partners with leading investment platforms like Charles Schwab, Fidelity, E*Trade, Interactive Brokers, and BNY Mellon Pershing. Our team of licensed professionals is dedicated to providing you with the best financial solutions tailored to your needs.

Frequently Asked Questions

• Impact on Mortgage Eligibility: SyntheticFi loans do not affect your ability to get a traditional mortgage.
• Stock Collateral: You retain ownership of your stocks, which must be held at one of our partner investment platforms.
• Borrowing Limits: Typically, you can borrow up to 50% of your investments, excluding retirement assets, private company stocks, cryptocurrency assets, and leveraged ETFs.
• Floating Rate Details: Interest rates reset every 6 months based on the SOFR rate plus 0.75%.

For more information or to schedule a consultation, contact our team of experts today.