We’re Tony and Joseph, co-founders of SyntheticFi.

After partnering with over 150 financial advisors and helping hundreds of families, today we’re launching our Hybrid Mortgage product: combine a mortgage and your investment portfolio to lower the borrowing cost to 4.64%.

TLDR - You can borrow money at 4.64% APR, with uncapped tax write-off on interest.

If the following is true for you, we can help you save money. Let’s chat if:

• you have an investment portfolio, and,
• your current pre-approval letter or mortgage has an interest rate higher than 4.7%.

If you know financial advisors (RIAs), mortgage brokers, and realtors, we would love to tell them about our partnership program.

🏡 How does a Hybrid Mortgage save money for you?

Unlike a traditional mortgage, SyntheticFi Hybrid Mortgage uses both your investment portfolio and your real estate property as collateral. Because your investment portfolio is a lot more liquid than your real estate property, you are able to get a better interest rate.

You can think of it as a “hybrid” of two loans:

• a securities-backed loan
• a traditional mortgage

There are 3 benefits to introducing the securities-backed loan portion:

Benefit 1: Interest rate is much lower than a traditional mortgage.

We offer different fixed rate options. A popular term is 4.64% APR fixed for 5 years. If you are borrowing $500,000, reducing the interest rate by 2% is equal to saving $10,000 per year.

Benefit 2: Don’t have to sell stocks for down payments - saving on taxes, participate on future growth.

The securities-backed loan portion can be used to meet the down payment requirement of the traditional mortgage. Many of our users are able to buy homes with $0 cash down payments. This allows them to keep their investments in the stock market to grow over time, while avoiding the capital gains taxes associated with asset sales.

Benefit 3: Write off interest expense

You can write off interest on the securities-backed loan with no cap and no need to itemize deductions. By contrast, interest deduction on a traditional mortgage is limited to interest from $750K in principal and requires itemized deduction. If you are getting a mortgage over $750K, you’d be leaving money on the table, because you didn’t maximize your tax deductions.

⁉️ But it sounds too good to be true?

You are right to be cautious. Here is why you should trust SyntheticFi.

Hybrid mortgage has been gate-kept by the ultra-rich.

Banks have long offered similar programs to the ultra-high net worth individuals (>30MM) via personal bankers. We are democratizing access to this product.

We’ve done this, hundreds of times.

Hundreds of families have used SyntheticFi Hybrid Mortgage to buy their homes. CBOE, the largest options exchange in the word, features our co-founder Joseph’s in-depth article explaining how our product works.

Additionally, we partner with over 150 professional financial advisors all over the US. OUI Financial is one of them: they have featured SyntheticFi on their website because they have had so much success with us.

We’re regulated by the SEC.

SyntheticFi is regulated by the SEC as a registered investment advisor (RIA). We are a fiduciary, and you do not have to move your assets anywhere.

➡️ Interested in learning more?

Let’s chat if:

• you have an investment portfolio, and,
• your current pre-approval letter or mortgage has an interest rate higher than 4.7%.

If you know financial advisors (RIAs), mortgage brokers, and realtors, we would love to tell them about our partnership program.