I n t e l l i g e n t A l t e r n a t i v e s

Purchasing Real Estate

What is the Intelligent Alternative?

Behind the Numbers:

It is the opportunity to finance your real estate with interest-only repayment while still retaining participation in your stock portfolio using an Intelligent Alternative HedgeLoan®.

John Shareholder wants to buy a new house. He needs cash for a down payment, but believes some good news is coming soon and doesn't want to liquidate his favorite stock position - now worth $150,000. The house costs $500,000 and he needs $100,000 for a down payment.

Solution: With a HedgeLoan, he receives up to 90% of the value of the stock on a limited recourse basis. If his favorite stock goes up, he can participate in the upside, and if it goes down, he can exercise his right to default on the loan (with no reporting to credit bureaus) and the collateral fully satisfies the loan obligation.

The good news? Either way, he keeps the capital he needed for financing his home purchase.

Example

He owns 15,000 shares of stock currently priced at $10 a share and puts them up for his HedgeLoan.

With his portfolio worth $150,000, @ 90% this yields $135,000 in cash to put towards his downpayment, with $35,000 left over for furniture or other expenses.

HedgeLoan can be structured into an interest-only or interestaccrued format for client convenience

Call me Traci Gregory 770.333.4404,
Authorized HedgeLender Agent

or send me an email - traci@tracigregory.com

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