Home Loans1 is pleased to offer you a range of competitive mortgage products designed to meet your home financing needs. From fixed-rate, fixed-term mortgages, to interest-only, adjustable-rate loans2, our team of residential lending professionals can assist you in choosing a personalized home finance option. With loan sizes up to $5 million, and home equity lines of credit up to $2.5 million3, we are committed to helping you meet your financial goals.
As a Morgan Stanley Smith Barney client, your Financial Advisor will consider your current financial situation to help you reach your asset and liability management goals, which may include a home purchase, refinance, or a Home Equity Line of Credit. Home Loans’ expert Mortgage Advisors can help you assess which mortgage may be right for your lending needs.
And, as a Home Loans client, you may receive additional advantages, including:
| Morgan Stanley Smith Barney Account Benefits | Your Home Loans mortgage balance can count towards your Morgan Stanley Smith Barney LLC household’s total assets, so you may qualify for additional benefits on your Morgan Stanley Smith Barney accounts (if you did not opt out of sharing this mortgage information with your Financial Advisor).4 |
| High-Quality Service | Home Loans offers high-quality service from our convenient, personalized application process, through the funding of your loan. |
Call your
Financial Advisor to find out more, or call our Preferred Service Loan Center directly at 800-473-5584. We would be happy to review your mortgage options in the context of your overall financial strategy.
1 Home Loans are made by Morgan Stanley Credit Corporation or other affiliated lenders, not Morgan Stanley Smith Barney LLC. The loans referenced herein are made by Morgan Stanley Credit Corporation. A Morgan Stanley Smith Barney investment relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Home Loans program.
2 An “interest-only” mortgage allows you to pay the interest on the money you borrowed for the first few years of the mortgage. This is known as the “interest-only” period (for example, the first 10 years of the loan). If you pay the amount of interest that’s due, once the interest-only period ends:
•You will still owe the original amount you borrowed
•Your monthly payment will increase—even if interest rates stay the same—because you must pay back the principal as well as the interest.
•Ask what the payments on your loan will be after the end of the interest-only period. If you are considering an adjustable-rate mortgage, ask what your payments can be if interest rates increase.
3 Proceeds from HELOCs are not permitted to be used to purchase, trade or carry securities or to make payments on any amounts owed under the HELOC loan agreement.
4 Morgan Stanley Smith Barney reserves the right to change any of the terms or conditions of the Benefits Programs, including the structure of a household, or cancel the Programs at its discretion without advance notice. Please contact your Financial Advisor for more information about householding and the Benefits Programs. For legacy Smith Barney clients, Home Loans balances can count effective April 1, 2010.
These products may not be available in all states and are limited to U.S. citizens and permanent resident aliens only. Residential loans are not available in Guam, Puerto Rico and the Virgin Islands. Loans are subject to credit approval. Other restrictions may apply. Morgan Stanley Credit Corporation underwriting guidelines will apply. Loans are subject to credit application and loan approval. Rates, terms and programs are subject to change without notice.
Morgan Stanley Smith Barney LLC, 2000 Westchester Ave., Purchase, NY 10577 or its advisors are required to maintain the following mortgage broker licenses:. Arizona Mortgage Broker License No. 0910887; Licensed by The Department of Corporations under the California Finance Lenders Law (License No. 603H431); Kansas Licensed Mortgage Company No. MC.0025021; Massachusetts Mortgage Broker License No. MB 5439; Montana Mortgage Broker License No. 1769; Licensed by the New Hampshire Banking Department (License No. 14909-MBR); Licensed by the New Jersey Department of Banking and Insurance (License No. 0902628); Registered Mortgage Broker-NYS Banking Department (Registration No. A007331). Mortgage brokers may not make loans.
©2010 Morgan Stanley Smith Barney LLC. Member SIPC
