Pledged-Asset / Securities-Backed Mortgage
Post the brokerage account as collateral instead of writing a cash down payment. The portfolio keeps earning, the strategy stays intact, and no appreciated position has to be sold.
Don’t-liquidate · HNWWhen a client liquidates a taxable account for a down payment, that AUM walks out of your book forever — and they eat the capital-gains bill. We qualify on pledged assets and asset-depletion, not just a W-2, so the portfolio stays invested and the gains stay unrealized. Low-down jumbo keeps more capital working in the market. No referral fees — FINRA/SEC and RESPA-clean, by design.
You’re paid on the assets you manage. The wrong mortgage referral sends a client to liquidate — you lose the AUM and they eat the tax. Here’s what changes when the lender is built for an investing clientele.
A $400K liquidation for a down payment is AUM that walks out forever. Pledged-asset and asset-depletion financing keep the portfolio whole, so the assets — and your fee on them — stay right where they are.
Selling appreciated positions triggers capital gains — 15–20% federal plus state. Borrowing against or qualifying off the same assets triggers nothing. You become the advisor who saved them a five-figure tax bill.
Assets, not just a W-2 box. Asset-depletion turns a portfolio into qualifying “income,” so self-made, retired, and equity-comp clients stop getting boxed out by DTI-only retail lenders.
RSU vesters, founders, and the “Nvidia millionaires” sitting on huge unrealized gains buy without forced selling — we pledge or qualify against the position instead of unwinding it.
FINRA/SEC and RESPA prohibit kickbacks, and we lean in on it as a trust signal. You refer because it’s right for the client, full stop — clean to document, nothing of value flows back to you.
Your clients get one contact who speaks “balance sheet,” not “two years of W-2s.” No re-explaining your book to a stranger every year, no client churned to a call center.
When a client liquidates to buy, you lose the AUM permanently and they realize the gain. These are the programs that let the purchase happen without a forced taxable sale — so the portfolio keeps compounding and the assets stay on your statement.
Post the brokerage account as collateral instead of writing a cash down payment. The portfolio keeps earning, the strategy stays intact, and no appreciated position has to be sold.
Don’t-liquidate · HNWConvert verified portfolio and retirement balances into qualifying income — no paystub, no employment, nothing sold. Built for the asset-rich, income-light client a DTI lender can’t see.
Retirees · Asset-richA fixed-rate, long-term, purpose-built home loan — not a variable-rate securities line with margin-call risk. The right tool when the goal is actually buying a house, not bridging a gap.
vs SBLOC · Fixed-rateRSU vesters and founders sitting on huge unrealized gains buy without forced liquidation of the appreciated position. We pledge or qualify against the stock instead of unwinding it.
Concentrated stock · RSU5% down to ~$1.5–2M, 10% down to ~$3M, no PMI. Keep capital working in the market instead of locking it up in dead home equity.
Capital-efficient · JumboQualify founders and business owners off real cash flow — 12–24 months of statements — not AGI gymnastics on a return that understates what they actually earn.
Founders · Business ownersNeed capital for the purchase, a business, or a tax bill? Pull cash from existing real estate instead of selling stock at the wrong time and realizing the gain.
Liquidity · Tax-awareYour book doesn’t stop at a state line, and neither do we. One senior desk, one process, one accountable contact — wherever your clients are buying.
40 states + DCHave 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 pledge, or a collateral movement 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, asset-based files and hands the client back to you — with the portfolio still on your statement.
Below are real reviews from Fidelity clients whose profiles mirror a managed 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.