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Your J.P. Morgan Securities Financial Advisor will take the time to understand your goals and customize a lending solution that meets your borrowing and liquidity needs.

Home Financing
Financing a new residence or a second home often depends on many factors and, sometimes, unique circumstances. Working with our partners on the J.P. Morgan mortgage team, your Financial Advisor will take the time to understand your particular situation and customize a suitable lending solution.

J.P. Morgan specializes in jumbo and non-conforming residential mortgages offering a variety of flexible lending arrangements, such as:

  • Mortgages for trusts, LLCs, partnerships and other non-traditional purchasing arrangements
  • Extended rate locks available and a one-time ability to “float-down”, or reduce, your rate if rates drop by 0.25% any time between application and closing1

Access Liquidity Through Your Investment Portfolio
A line of credit established against your J.P. Morgan Securities investment portfolio2 can help you:

  • Cover near-term expenditures or major purchases
  • Meet tax obligations
  • Address cash-flow needs
  • Meet longer-term goals, such as charitable giving

Tailored Credit Solutions
Allow us to help you structure a credit solution that fits your unique circumstances and personal wealth-management objectives. Our lending specialists can analyze complex balance sheets and cash flow statements and develop customized financing arrangements.

1 A rate float-down adjustment cannot be made within three days of closing. The float-down is permitted only when the current standard rate for the same product is below the locked rate by 0.25%. The locked rate will be reduced to the current standard rate for the same product with a maximum decrease of 0.375% from the locked rate. If the current standard rate is below the locked rate by 0.75% or more, then there is no limit on the rate decrease. Please note that your original rate lock expiration date will not change if a float-down adjustment is made.

2 Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call and that securities in the account may be sold to meet the maintenance call. Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.

Equal Housing Opportunity

Bank products and services offered by JPMorgan Chase Bank, N.A. Member FDIC.

Securities offered by J.P. Morgan Securities LLC, member FINRA and SIPC.

J.P. Morgan Lines of Credit may not be used to purchase, trade or carry securities or to repay debt used to purchase, trade or carry securities.

Learn more about our firm and investment professionals through FINRA BrokerCheck.

The views and strategies described may not be suitable for all investors. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Securities are offered by J.P. Morgan Securities LLC. ("JPMS"), member FINRA and SIPC. When JPMS acts as a broker-dealer, a client's relationship with us and our duties to the client will be different in some important ways than a client's relationship with us and our duties to the client when we are acting as an investment advisor. A client should carefully read the agreements and disclosures received (including our Form ADV disclosure brochure, if and when applicable) in connection with our provision of services for important information about the capacity in which we will be acting.

This document provides information about the brokerage and investment advisory services provided by J.P. Morgan Securities LLC ("JPMS"). The agreements entered into by and disclosures provided to clients with respect to the different products and services provided by JPMS should be carefully read (including our Form ADV disclosure brochure, if and when applicable), which contain important information, including our provision of services for important information about the capacity in which we will be acting. We encourage clients to speak to their JPMS representative regarding the nature of the products and services and to ask any questions they may have about the difference between brokerage and investment advisory services, including the obligation to disclose conflicts of interests and to act in the best interests of our clients.

“J.P. Morgan Securities” is a brand name for a wealth management business conducted by JPMorgan Chase & Co. and certain subsidiaries. JPMorgan Chase Bank, N.A. and its affiliates (collectively “JPMCB”) offer investment products, which may include bank-managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC (JPMS), a member of FINRA and SIPC.

Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

Investment and Insurance Products are: Not FDIC insured • Not insured by an federal government agency • Not a deposit or other obligation of, or guaranteed by, JPMorgan Chase Bank, N.A. or any of its affiliates • Subject to Investment Risks, including possible loss of the principal amount invested


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