Stock Loan Blog!

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What Can $1,000,000 Get You? What Can $1,000,000 Get You With A STOCK LOAN?

 

Let's talk about the Jumbo Housing Market for a bit.  And, what we are now seeing is exactly what's being talked about in this video.  I want you to also see how our "Stock Loan" will benefit this high end market.

Assuming a purchase price of 1M... in today's Jumbo Mortgage world, that would equate to at least 20% down or $200,000 plus closing costs.  For comparison sake... we'll focus on the $800,000 to be financed.

The current Jumbo Mortgage Rate is 5.625% APR fixed for 30 years.  That's a monthly payment of $4,605.25.  Sounds like a lot when you compare this monthly payment to our "Stock Loan."  Here's why...

We take the same borrower who wisely decides to use their investments as collateral.  And for conversation sake, we are leveraging Treasuries that will allow the borrower a loan at just 2.5% Interest Only for up to 10 years.  Looking at the monthly payment comparison we can clearly see a BIG difference.

With our "Stock Loan" their monthly payment is just $1,667... a SAVINGS of $2,938 per month!!!

NOW, let me really blow your mind... let's finance the whole thing with our "Stock Loan."  That's right ALL OF IT.  The whole $1 million.  Again at a 2.5% fixed rate (Interest Only), the monthly payment is............... drum role ............... $2,083. - that's less than half of the Jumbo Mortgage Rate payment.

Let me repeat that...

With a "Stock Loan" from J. EGGERS & ASSOCIATES, this borrower would SAVE more than HALF on the monthly payment!!!  Now, do you see why our "Stock Loan" is becoming so popular... :)

$800,000 Financed With A Jumbo Mortgage = $4,605 / month

$1,000,000 Financed With A "Stock Loan" = $2,083 / month

STOCK LOAN - Solving Problems With Foreclosures...

I guess, if you were to pin me down and ask me... what is the real truth about the housing market? - It would go something like this video with John Adams.  My belief is that our "Stock Loans" will become even more popular by the end of this second quarter as primary homeowners will look for solutions to run-away adjustable rate mortgages.

Now, if you are a poised investor or you just happen to be fortunate to have a nest egg of investments - you'll be able to buy down or pay off the bank that holds your existing mortgage via a "Stock Loan" from J. Eggers & Associates.  Using stocks, bonds, mutual funds or treasuries as collateral... it's possible to get a loan with fixed rates below market - generally between 2.5% - 4.5% interest only for up to 10 years.

If I said it once, I'll say it again... regarding our "Stock Loan" - its time is NOW!!!

Our "Stock Loan" Opens Doors!!!

Well, suppose you are the owner of a strip mall?  You have your anchors in place... anchors like Publix...  All lease agreements are signed, but there is one problem.  YOU'VE RAN OVER BUDGET and you need to complete construction to open the doors.  If the doors don't open, there is no cash flow and YOU as a business owner are behind on the A / D (Acquisition / Development) Loan.

That's NOT GOOD... and HOUSTON we have a problem.

Our "Stock Loan" solves a number of financial problems.  And all though our "Stock Loan" is a NON-Purpose Loan... (you can use it for literally ANYTHING), we do here from time to time what our clients do with the money.

In the case of our strip mall owner above... he can leverage a 2 million dollar portfolio and Open The Doors!!!

Consider our "Stock Loan" - rates starting at 2.5%...

AVOID FORECLOSURE By Leveraging Your Investments...

If you have investments... stocks, bonds, mutual funds or treasuries - you can use them as collateral.  AND, that's what we are seeing in both the residential and commercial arenas.  People are upside down on a commercial mortgage or residential mortgage BUT, they have investments that they can TAP for these short term needs while protecting their investments for long term goals.

The concept of LEVERAGING ASSETS has been around for long, long time.  The vehicle we call a "Stock Loan" has not.  Only since maybe 7 years ago has this type of lending become available.  And now with the advent of lenders in both sectors tightening their belts, its time appears to be NOW!  We've taken great steps to educate borrowers about this type of loan on the JEggers.net site.  So, if you are a homeowner or business owner with securities... don't disregard the power of your portfolio.  If you are in trouble financially... a "Stock Loan" from J. Eggers & Associates can be your own personal "Bail Out" plan :-)

Talk soon!

Commercial Mortgage Defaults... On The Rise!!!

Don't let this happen to you and your business.  You have options!!!  Call us today for a confidential consultation...  we have money to lend!!!  Take a look at ALL of our Commercial Loan Programs that we offer!!!

They Used Our Stock Loan To Free Themselves From An Upside Down Mortgage!!!

So, let's say you have a big second mortgage and you are upside down.  In other words, you owe more than your home is worth.  We just had a client use our "Stock Loan" to payoff a good sized home equity and then refinance out of the Option ARM first that was set to recast.  Don't get caught upside down on your jumbo mortgage!!!

Stock Loans - A Yacht Financing Option Starting At 2.5%

We get a big calling for this believe it or not.  Big Boat buyers in search of ways to save a substantial amount of money on their yacht payment.  Our "Stock Loan" starts at 2.5% and we are able to take stocks, bonds or mutual funds and use them as collateral.  Another benefit to using our "Stock Loan" vs. traditional marine financing is that charters are OK!  Since the vessel is no longer the collateral, yacht owners can charter the vessel out for a fee... sometimes a BIG fee!!!

Real Estate Investors Are Using Our Stock Loan To Close FAST!!!

It's a good sign actually... real estate investors are re-entering the market.  Our "Stock Loan" is making that possible for some.  When the banks own properties, you're pretty much on their time-line.  And, we are also seeing real estate investors using our "Stock Loan" to buy REO's in BULK!!!

Our Stock Loan Helps Luxury Home Buyers SAVE BIGGGGG $$$$$$$

OK, not many of us can buy a 13.5 Million Dollar home.  But, lately we have seen individuals use our Stock Loan to save big money.  Here's how.  A client of ours not so long ago, put 6.7 million dollars down and wanted to finance the rest.  She and her husband have great credit (high 700's and low 800's) and a fair amount of liquid assets.  They applied for a jumbo mortgage at their local bank.  The mortgage request was for a little over the 7 million dollar mark.  They have a great relationship with the bank and have been with them for over ten years.  Now, if you're like me, you're thinking NO Problem... right?  Well, the bank comes back to them and offers a jumbo mortgage at 5.8% interest only for 5 years.  That is pretty much the going rate in today's market for a loan of this size.  Want to know what the monthly payment was going to be?  If they would have taken the loan the bank was offering... they would be paying $33,833 / month!!!  Just shy of $34,000 dollars a month!!!

Alright, let me tell what happened.  Our Mr. & Mrs. Homebuyer run into an older client of ours.  He tells them about our great service and awesome rate.  Long story short... we got them a rate of 2.5% for 5 years with our Stock Loan!  Our Stock Loan saved them BIG Money!!!  The monthly payment dollar for dollar financed is $14,583 per month.  We saved our clients $19,250 a month!!!  Do you realize we saved them more than half?  Now that's saving BIGGGGG $$$$$$$!