Pledged-Asset / Securities-Backed
Client’s wealth is in a taxable brokerage account. Borrow against the portfolio instead of selling it — liquidity for the purchase without disrupting the strategy or triggering gains.
HNW · Don’t-liquidateA mortgage referral puts your fiduciary reputation on the line — and you can’t earn a dime from it. So the only thing that matters is that we don’t embarrass you. We qualify your clients on assets, not just a W-2 box, structure financing so they don’t liquidate appreciated positions to make a down payment, and we never pay for referrals. RESPA-clean, by design.
A bad mortgage referral reflects on the trust you spent years building. Here’s what changes when the lender is built for a planning clientele.
Asset-rich, income-light, self-employed, RSU-heavy — the exact client you refer. Complex income and assets are our normal, not our exception. “Couldn’t document the income” is why most referrals die; it’s where we start.
We qualify on assets and structure financing so the client doesn’t sell appreciated positions for a down payment and trigger a capital-gains event. We speak your language; we look like an extension of the plan.
Paying for mortgage referrals is a RESPA Section 8 violation. A partner who doesn’t pay is the only conflict-free choice — and one you can document cleanly on your ADV. The absence of a check is the entire point.
Retail LO turnover means you re-explain your book to a stranger every year and your client gets churned to a call center. You get one accountable senior contact for your entire client base.
Complex assets usually mean slow, conditional, fall-through closings. We pre-structure the qualification path up front, so you’re not fielding a panicked client call 48 hours before closing.
We don’t cross-sell your client into wealth products or “stay in touch” forever. We close the loan and return the client. You stay the quarterback of the relationship.
Your clients are wealthy in ways a retail underwriter can’t see: portfolios, equity comp, business cash flow, illiquid assets. These are the programs that turn “declined” into “funded” — without forcing a taxable sale.
Client’s wealth is in a taxable brokerage account. Borrow against the portfolio instead of selling it — liquidity for the purchase without disrupting the strategy or triggering gains.
HNW · Don’t-liquidateRetired or asset-rich / income-light client with $1M+ liquid but no paystub. We convert verified portfolio & retirement balances into qualifying income — no employment needed.
Retirees · Asset-richClient about to liquidate appreciated equities for a down payment. We finance the purchase so they avoid a forced lump-sum taxable sale — they sell on their timeline, or never.
Tax-aware · Capital-gainsTech exec or pre-IPO employee whose comp is mostly stock. We use vesting history and equity income to qualify clients whose pay never looks “normal” to a retail underwriter.
Concentrated stock · Pre-IPOEntrepreneur who writes down to $65K AGI but deposits $18K/month. We qualify on actual cash flow via 12–24 months of statements — not a return that understates them.
Self-employed · 1099Mass-affluent buyer who doesn’t want 20% tied up in dead equity. Jumbo & 80-10-10 structures up to ~90% LTV with no PMI — keeping more capital invested.
Luxury · Capital-efficientClient needs capital for a business, a tax bill, or a second property. Cash-out refinance to unlock home equity instead of selling assets at the wrong time.
Liquidity · Second homeClients who “dated the rate” at the 2023–24 peak. As rates drift toward the high-5s/low-6s, we proactively flag and execute refis — a relationship touchpoint you get credit for.
Rate-cycle · TouchpointHave a client who doesn’t fit the box? Send us the scenario — we’ll tell you the path before you make the intro.
Every Fidelity loan runs on the Mortgage Hub portal. With your client’s consent, you get read-only visibility into the same milestone tracker your client and our underwriter see — so when a closing date, a liquidity decision, or a rebalance depends on the loan, you’re working from real status, not a forwarded email.
No referral fees. No volume quotas. No exclusivity. Just a lender that performs on the hard files and hands the client back to you when the loan funds.
Below are real reviews from Fidelity clients whose profiles mirror a planning book — professional investors, dual-business-owner households, and multi-property / 1031-exchange clients. Every quote is verbatim from a public review on Google or Zillow; click through to verify on the source.
Working with Robert Shamie was a dream. He and his team made the process of refinancing our mortgage so smooth and easy. And fast! He was an absolute professional and went above and beyond to make sure our loan went through.
As a real estate investor I have come across many professionals. One of the most important aspects in my line of business is funding. Robert Shamie’s professionalism and ability to obtain outstanding terms surpasses many others. I highly recommend Robert and team.
We’ve been in real estate for many years, having financed and refinanced dozens and dozens of properties. Robert Shamie and Fidelity Residential are among the best we’ve ever worked with — careful attention to detail, quick response times, patience in answering the many questions.
I have worked with Robert and Lindsy on many purchases and refinances over the last 15 years, and I always come back because of the competitive rates, efficient service and no-nonsense approach to getting the deals done. This time, we were in a multi-asset 1031 exchange and needed to close 2 properties in a narrow time frame. Robert provided excellent advice on how to structure the 1st purchase so that the 2nd would be able to close without any issues, and both deals were able to close early.
Robert, Lindsy and the entire team at Fidelity Residential went above and beyond. My wife and I are both business owners, which can make the home buying process more difficult. This was not the case. Robert and Lindsy told us exactly what they needed and the process was simple and straightforward. We will be doing business only with Fidelity Residential moving forward.
This is my second loan with Robert and I was very pleased. My loan situation is somewhat ‘out of the box,’ but Robert was able to provide a few scenarios to work with. We chose what best fit our needs, then Robert and Lindsy got it done.
A senior team member responds within one business day. We will not add you to a marketing list, and no thing of value flows to you for any referral.