Specialized In Jumbo Loans, Investor Loans, DSCR Loans, Non-QM Financing, Commercial Mortgages, and Tax-Informed Lending Strategies
Published By
David Ghazaryan
Owner / Broker / Banker
Contact Me At
(702) 766-3744
NMLS 1486726
A pledged asset mortgage enables you to leverage your investment portfolio as collateral for a down payment, allowing you to secure a home loan without selling your stocks or other securities.
Opting to sell stocks to raise cash for a down payment can result in substantial capital gains taxes, which significantly diminishes the net funds available for your home purchase.
While lenders often perceive a pledged asset strategy as a sign of financial strength, it also introduces market-related risks, such as margin calls, if your portfolio's value declines.
Read the full blog article here: https://www.iqratemortgages.com/blog/california-jumbo-loan-pledge-assets-or-sell-your-stocks
Selling stocks for your home seems smart. It's a mistake. I'm David Ghazaryan. I build loan structures that keep wealth. Selling stock for $800,000 can cost you $185,000 in taxes. Instead, we use your stocks as collateral without selling them. This keeps your portfolio working, preserving your long-term growth plan. My full analysis is linked. See it in the description.
Read Blog Here: https://www.iqratemortgages.com/blog/california-jumbo-loan-pledge-assets-or-sell-your-stocks
