ZD Advisors
J.P. Morgan Securities
277 Park Avenue
New York NY 10172
Phone: 212.272.0394

Joseph L. Duarte
Managing Director
J.P. Morgan Securities

Expressly created for
BHHS

Finding the mortgage that’s right for you

Partnering with ZD Advisors at J.P. Morgan Securities and the J.P. Morgan Mortgage Team

An Introduction »

Not one size fits all

Not one size fits all
Traditional and nontraditional mortgage financing

Value of a pre-approval

Value of a pre-approval
Be ready when the right home comes along

Helping family members

Helping family members purchase a home
Passing on the dream of home ownership

Access to liquidity

Ready access to liquidity
Specialty lending

Beyond your mortgage

Beyond your mortgage
Aligning your financial and estate planning goals

Banking and Lending

Dedicated mortgage advisor
High-touch service

About J.P. Morgan—Our Team

ZD Advisors
J.P. Morgan Securities
277 Park Avenue
New York, NY 10172
Phone: 212.272.0394
Toll-free: 800.999.2000
Fax: 917.849.0017

Joe Duarte

Joseph L. Duarte
Managing Director
J.P. Morgan Securities

Our team serves as your committed partner to J.P. Morgan’s breadth of resources, intellectual capital and experienced professionals. Our clients receive both the personalized service of a boutique organization and the access to world-class products and services offered through the global financial resources of J.P. Morgan.

Access to Dedicated Mortgage Resources

Brian King

Brian King
Vice President, Mortgage Advisor
J.P. Morgan Private Bank
NMLS ID: 137238

Brian King is a Vice President and Mortgage Advisor at J.P. Morgan Private Bank, and works directly with Joe Duarte and the ZD Advisor group. Brian has 10 years of industry experience, including wholesale mortgage brokerage, retail loan origination, and for the past three years has worked with a dedicated Mortgage Analyst to offer Private Bank mortgage advisory services. Together, they leverage a combined 25 years of experience to ensure a consistent “white glove” service level for clients and realtors throughout the entire mortgage process.

Not one size fits all

Customizing lending for
flexibility and fit

You have access to a comprehensive range of loan choices, all backed by one of the world’s strongest balance sheets.

Not one size fits all

Comprehensive financing solutions

  • Traditional and nontraditional mortgages and loans for primary and secondary homes, condos, co-ops and residential investment properties
  • Cash-out mortgages
  • Interest-only mortgages and loans
  • Home Equity Line of Credit
  • Recast option for principal pay-downs post-closing without needing to refinance
  • Up to 100% financing through our Pledged Asset Mortgage program

Nontraditional choices

While a situation may call for a simple mortgage, we also:

  • Specialize in jumbo mortgages with no upper limits on loan size
  • Offer loan-to-value ratios above industry standards
  • Provide competitive interest rates and relationship pricing discounts
  • Offer expertise in high-end co-op and condo financing in key metropolitan areas, including New York, California and Illinois

Tailored strategies

Depending on your specific circumstances, our experienced underwriters analyze your balance sheet and cash flow to tailor strategies for your individual needs:

  • Trusts, LLCs and partnerships or other nontraditional purchasing arrangements
  • Securities backed lines of credit so you can compete in an all-cash market; ability to refinance within 90 days at preferred purchase price

Tailored solutions for high-net-worth clients.
J.P. Morgan Mortgage at a glance.

J.P. Morgan is one of the largest and most respected jumbo mortgage lenders. Our Mortgage Advisory Team comprises industry professionals with expertise in analyzing sophisticated balance sheets and income flows, and loan structuring.

Distinctive underwriting capabilities

Specialization in complex balance sheets, cash flow analysis and high-end real estate

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Tax-aware borrowing

Strategies to potentially help you maximize tax deductibility1

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Pledged Asset Mortgage

An alternative to making a down payment.
Pledge eligible securities and keep long-term plan on track

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Ability to lend to complex structures

Flexibility in lending to different structures, e.g., trusts, LLCs and partnerships

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Expedited 21-day purchase closing in certain situations

Expedited close time will depend on clients’ ability to provide required documentation in a timely manner

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Competitive mortgage rates

Relationship pricing for you and your family members2

Value of a pre-approval

House hunt with confidence

Be ready when the right home comes along.

 

In a competitive housing market, buyers need a distinct advantage to separate their bids. There are two solutions to help distinguish homebuyers:

Not one size fits all
Conditional Approval
  • A fully underwritten credit approval pending identification of home and completion of an appraisal
Expediency
  • Expedites the approval process and closing timeframe
  • Can be delivered in 5–7 business days once information needed to fully underwrite request is received
  • Valid for 180 days,3 providing ample time to find a home
Assurance
  • Identifies purchasing power—allowing borrowers to begin the process of searching for a home with confidence
  • Ensures loan will be processed easily and quickly once a home is found
  • Reassures sellers you are a serious buyer
Pre-Qualification
  • A quick confirmation (based on stated information) of ability to obtain financing while you shop for a home
Expediency
  • Can be delivered same day for time-sensitive situations
  • Valid for 180 days,3 providing ample time to find a home
Assurance
  • Estimates the loan amount and type most appropriate for your situation
  • Reassures sellers you are a serious buyer

Helping family members purchase a home

Passing on the dream of home ownership

The right strategy can benefit both parents and grandparents while giving the next generation a great start.

Next-Gen Strategies

A first home can represent a significant step toward building wealth. For this reason, many parents and grandparents seek to offer financial help for younger generations purchasing a first home.

More than one-third of millennials who are first-time homebuyers say they plan to rely on a loan or a gift from a relative to cover a key portion of their down payments.4

Parents’ or grandparents’ ability to help younger generations may depend on such things as employment status, retirement goals, what type of estate planning is in place, or how much equity is built up in a home.

Strategies for helping the next generation

Pledged Asset Mortgage - put your assets to work

This strategy allows a parent or grandparent to pledge assets on behalf of a family member through a Pledged Asset Mortgage

Access funds and keep long-term plan intact

Parents may also consider using the equity built up in their homes or a line of credit secured by their assets to help fund a down payment. Using a short-term line of credit to purchase a home for cash, and then refinancing and paying off the debt, may provide a competitive advantage in today’s market

Nontraditional financing

J.P. Morgan has the ability to underwrite mortgages for trusts, LLCs and other nontraditional purchasing arrangements. Titling a property in an LLC or similar entity offers privacy around ownership, and can be part of a larger estate plan

Co-sign a mortgage loan

Parents can co-sign a mortgage loan. They should keep in mind that as co-borrowers or guarantors, they are responsible for repayment should their children be unable to fund the mortgage payments

Ready access to liquidity while staying invested

Speciality lending

Tap into the financial strength of your portfolio and personal collections to help meet liquidity needs.5 A line of credit provides a ready source of funds you can access to provide funding options for new purchases and investments, to bridge liquidly gaps, or to finance renovations or other projects.

Using a credit line for real estate purposes includes:

  • Purchasing primary or secondary homes, condos, co-ops and residential investment properties
  • Financing home improvement goals
  • Funding mortgage down payment or bridging liquidity gaps
  • Cash purchase with refinancing down the line
Access to liquidity
Securities Based Line of Credit

Securities Based Line of Credit

A securities based line of credit expands your set of funding options for new purchases, investments or unexpected expenses, so you have the flexibility to remain invested.

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Fine Art Financing

Art Financing

Find liquidity in your fine artwork while keeping every piece in your possession. Fine art financing can help you expand your collection, fund new investments or pursue other financial goals without disrupting your investment strategy.

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Aircraft Financing

Aircraft Financing

Optimize your assets and your flexibility with the right aircraft financing strategy. J.P. Morgan can help you acquire a new aircraft or refinance an existing one while maintaining your current investment portfolio.

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Life Insurance Premium Financing

Life Insurance Premium Financing

For the executors of your estate, paying the death taxes due may precipitate a liquidity crisis—forcing an untimely sale of assets that would otherwise be inherited by your intended beneficiaries, or resulting in other undesired outcomes.

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Beyond your mortgage

It is more than a mortgage to us

At J.P. Morgan, we approach your mortgage decisions the same way we help you with your investment decisions: by understanding your goals, risk tolerance and time horizon. When your financing choice supports your objectives, you can feel confident knowing your mortgage is designed to serve you now and in the future.

Beyond your mortgage

Partnering with experts across the firm

Our clients have access to in-house Wealth Management partners, a group of former tax and estate lawyers. They work one-on-one with financial advisors and their clients to provide guidance on estate planning, including mortgage-related topics such as:

  • Assets and property titling
  • Tax-aware borrowing
  • Asset protection and privacy
  • Changing your state of residency

Our WealthFocus series provides insights on a range of topics to benefit you and your family

Dedicated Mortgage Advisor

High-touch service backed by a team of dedicated mortgage professionals

Unlike some lenders, J.P. Morgan personally services all of its mortgages. Instead of a call center representative, you will have access to a dedicated J.P. Morgan Mortgage Advisor and servicing team.

Your Mortgage Advisor will take the time to understand your needs and develop a tailored strategy, and serve as your single point of contact from application to closing.

First-class Business

In addition, you benefit from:

  • No underwriting, origination, escrow waiver, processing or documentation fees; you are only responsible for out-of-pocket costs such as an appraisal or title insurance
  • No points or prepayment penalties6
  • One-time rate reduction if interest rates drop more than .25% between loan application and closing7
  • No rate adjustors for credit score, property type or loan-to-value ratios
  • Relationship pricing discounts
  • Expedited 21-day purchase closing available based on ability of borrower to provide timely mortgage documentation
Brian King

Brian King
Vice President, Mortgage Advisor
J.P. Morgan Private Bank
NMLS ID: 137238