Lower rates
Tax savings
Fast approval
Lower rates
Tax savings
Fast approval
Lower rates
Tax savings
Fast approval
Lower rates
Tax savings
Fast approval
with hybrid mortgage
Outperform traditional banks with lower mortgage rates, and additional tax deductions.
Today's APR‡
4.64%
Today's APR‡
4.64%
Trusted by 100+
families and institutions
Supports All Major Custodians
Trusted by 100+
families and institutions
Supports All Major Custodians
Trusted by 100+
families and institutions
Supports All Major Custodians
Better than a
traditional mortgage
Pledging investments as collateral will save money for your clients by lowering the interest expense and providing potentially more tax deduction in interest expense
Savings on interest over 5 years, est.
Savings on interest over 5 years, est.
$0
Additional tax deduction over 5 years, est.
Additional tax deduction over 5 years, est.
$0
Projected total value with SyntheticFi
Projected total value with a Regular mortgage
Ultra-low rates with maximum flexibility
Our interest rate lower by about 2%.
Plus, we also offer superior tax deductions and maximum flexibility on payment terms.
Why SyntheticFi?
SyntheticFi Hybrid Mortgage
Traditional Mortgage Lenders
Interest Rate
4.50% - 5.00%
6.70% - 7.10%
Need to Liquidate Assets?
No
Yes
Downpayment Req.
0%; No Downpayment Required
5% - 20%
Monthly Payment
Not Required
Interest + Principal Required
Tax treatment
Uncapped interest write-off
Lose tax benefits from any interest paid on balance over $750K
Why SyntheticFi?
SyntheticFi Hybrid Mortgage
Traditional Mortgage Lenders
Interest Rate
4.50% - 5.00%
6.70% - 7.10%
Need to Liquidate Assets?
No
Yes
Downpayment Req.
0%; No Downpayment Required
5% - 20%
Monthly Payment
Not Required
Interest + Principal Required
Tax treatment
Uncapped interest write-off
Lose tax benefits from any interest paid on balance over $750K
<— Scroll —>
See how SyntheticFi Hybrid Mortgage compares with a traditional lender.
<— Scroll —>
See how SyntheticFi Hybrid Mortgage compares with a traditional lender.
Mortgage with a holistic picture: optimize interest, growth, and taxes
Instead of a cookie-cutter mortgage solution offered by big banks, we take into account your investments to lower your cost, and to optimize your financial outcome.
Keep your investments intact
With our 0% down payment options, you don’t need to sell your investments to finance your house. Your investment portfolio can grow with the market, while getting you a lower interest rate on your mortgage. Plus, no capital gains hit.
Keep your investments intact
With our 0% down payment options, you don’t need to sell your investments to finance your house. Your investment portfolio can grow with the market, while getting you a lower interest rate on your mortgage. Plus, no capital gains hit.
Borrow at a lower cost
Lower your monthly payment with our 4.64% APR interest rate, and flexible payment terms. We support interest only and deferred payment plans. Enjoy more cashflow in your day-to-day, and invest more in the stocks market.
Borrow at a lower cost
Lower your monthly payment with our 4.64% APR interest rate, and flexible payment terms. We support interest only and deferred payment plans. Enjoy more cashflow in your day-to-day, and invest more in the stocks market.
Claim more tax deductions
If your mortgage is over $750K, you lose any tax benefits from interest expense from the mortgage balance over $750K. We help you harvest these tax deductions that would otherwise be lost in a traditional mortgage.
Claim more tax deductions
If your mortgage is over $750K, you lose any tax benefits from interest expense from the mortgage balance over $750K. We help you harvest these tax deductions that would otherwise be lost in a traditional mortgage.
Partner with us
to win, for you and your clients
SyntheticFi's partnership program supports independent financial advisors (RIAs), mortgage brokers, and realtors.
We support all major financial advisor custodians, incl. Schwab, Fidelity (NFS), IBKR, and TradePMR.
"With SyntheticFi, everything just clicks - we’re saving clients money, simplifying our process, and building a stronger firm because of it. It’s become a core part of how we deliver value and stand out."
Guillaume Decalf
Founder & CEO, Oui Financial
Guillaume Decalf is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.
Partner with us to win,
for you and your clients
SyntheticFi's partnership program supports financial advisors (RIAs), mortgage brokers, and realtors.
We support all major financial advisor custodians, incl. Schwab, Fidelity (NFS), IBKR, and TradePMR.
"With SyntheticFi, everything just clicks - we’re saving clients money, simplifying our process, and building a stronger firm because of it. It’s become a core part of how we deliver value and stand out."
"With SyntheticFi, everything just clicks - we’re saving clients money, simplifying our process, and building a stronger firm because of it. It’s become a core part of how we deliver value and stand out."
Guillaume Decalf
Founder & CEO, Oui Financial
Guillaume Decalf is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.
Guillaume Decalf is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.
Frequently asked questions
What is SyntheticFi Hybrid Mortgage?
Why use SyntheticFi Hybrid Mortgage instead of a regular mortgage?
What down payment does SyntheticFi require?
How fast can SyntheticFi close on the loan?
What kind of lien does SyntheticFi hold on the real estate?
What impact will it have on the debt-to-income (DTI) ratio?
This Hybrid Mortgage sounds too good to be true?
What is SyntheticFi Hybrid Mortgage?
Why use SyntheticFi Hybrid Mortgage instead of a regular mortgage?
What down payment does SyntheticFi require?
How fast can SyntheticFi close on the loan?
What kind of lien does SyntheticFi hold on the real estate?
What impact will it have on the debt-to-income (DTI) ratio?
This Hybrid Mortgage sounds too good to be true?
Borrow smarter. Save More.
Unlock lower interest rates and tax-deductible savings with SyntheticFi.
Lower rates
Tax savings
Fast approval
Lower rates
Tax savings
Fast approval
Lower rates
Tax savings
Fast approval
Lower rates
Tax savings
Fast approval
with hybrid mortgage
Outperform traditional banks with lower mortgage rates, and additional tax deductions.
Today's APR‡
4.64%
Trusted by 100+
families and institutions
Supports All Major Custodians
Better than a
traditional mortgage
Pledging investments as collateral will save money for your clients by lowering the interest expense and providing potentially more tax deduction in interest expense
Savings on interest over 5 years, est.
$0
Additional tax deduction over 5 years, est.
$0
Projected total value with SyntheticFi
Projected total value with a Regular mortgage
Ultra-low rates with maximum flexibility
Our interest rate lower by about 2%.
Plus, we also offer superior tax deductions and maximum flexibility on payment terms.
Why SyntheticFi?
SyntheticFi Hybrid Mortgage
Traditional Mortgage Lenders
Interest Rate
4.50% - 5.00%
6.70% - 7.10%
Need to Liquidate Assets?
No
Yes
Downpayment Req.
0%; No Downpayment Required
5% - 20%
Monthly Payment
Not Required
Interest + Principal Required
Tax treatment
Uncapped interest write-off
Lose tax benefits from any interest paid on balance over $750K
<— Scroll —>
See how SyntheticFi Hybrid Mortgage compares with a traditional lender.
<— Scroll —>
See how SyntheticFi Hybrid Mortgage compares with a traditional lender.
Mortgage with
a holistic picture: optimize interest, growth, and taxes
Instead of a cookie-cutter mortgage solution offered by big banks, we take into account your investments to lower your cost, and to optimize your financial outcome.
Keep your investments intact
With our 0% down payment options, you don’t need to sell your investments to finance your house. Your investment portfolio can grow with the market, while getting you a lower interest rate on your mortgage. Plus, no capital gains hit.
Borrow at a lower cost
Lower your monthly payment with our 4.64% APR interest rate, and flexible payment terms. We support interest only and deferred payment plans. Enjoy more cashflow in your day-to-day, and invest more in the stocks market.
Claim more tax deductions
If your mortgage is over $750K, you lose any tax benefits from interest expense from the mortgage balance over $750K. We help you harvest these tax deductions that would otherwise be lost in a traditional mortgage.
Partner with us
to win, for you and your clients
SyntheticFi's partnership program supports independent financial advisors (RIAs), mortgage brokers, and realtors.
We support all major financial advisor custodians, incl. Schwab, Fidelity (NFS), IBKR, and TradePMR.
"With SyntheticFi, everything just clicks - we’re saving clients money, simplifying our process, and building a stronger firm because of it. It’s become a core part of how we deliver value and stand out."
Guillaume Decalf
Founder & CEO, Oui Financial
Guillaume Decalf is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.
Partner with us to win,
for you and your clients
SyntheticFi's partnership program supports financial advisors (RIAs), mortgage brokers, and realtors.
We support all major financial advisor custodians, incl. Schwab, Fidelity (NFS), IBKR, and TradePMR.
"With SyntheticFi, everything just clicks - we’re saving clients money, simplifying our process, and building a stronger firm because of it. It’s become a core part of how we deliver value and stand out."
Guillaume Decalf
Founder & CEO, Oui Financial
Guillaume Decalf is not a direct client of SyntheticFi LLC, but collaborates with SyntheticFi LLC on behalf of their firm’s clients. No compensation has been provided for sharing their opinion and experience with our firm.
Frequently asked questions
What is SyntheticFi Hybrid Mortgage?
Why use SyntheticFi Hybrid Mortgage instead of a regular mortgage?
What down payment does SyntheticFi require?
How fast can SyntheticFi close on the loan?
What kind of lien does SyntheticFi hold on the real estate?
What impact will it have on the debt-to-income (DTI) ratio?
This Hybrid Mortgage sounds too good to be true?
Borrow smarter. Save More.
Unlock lower interest rates and tax-deductible savings with SyntheticFi.
Talk to a Professional
156 2nd St, Suite 610
San Francisco, CA 94015
628.800.0889
Backed by
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. 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. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
‡APR, or the Annual Percentage Rate, disclosed above is calculated in accordance with the federal Truth in Lending Act (Regulation Z) guidelines and reflects the total cost of borrowing, inclusive of an estimated 0.5% fee charged by SyntheticFi. This APR represents the nominal interest rate annualized over monthly compounding periods and incorporates all mandatory periodic payments and final payoff obligations associated with the loan.
We are committed to full transparency and compliance; this rate enables an apples-to-apples comparison with other financing options by including both interest and applicable service fees in accordance with regulatory standards.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.
156 2nd St, Suite 610
San Francisco, CA 94015
628.800.0889
Backed by
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. 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. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
‡APR, or the Annual Percentage Rate, disclosed above is calculated in accordance with the federal Truth in Lending Act (Regulation Z) guidelines and reflects the total cost of borrowing, inclusive of an estimated 0.5% fee charged by SyntheticFi. This APR represents the nominal interest rate annualized over monthly compounding periods and incorporates all mandatory periodic payments and final payoff obligations associated with the loan.
We are committed to full transparency and compliance; this rate enables an apples-to-apples comparison with other financing options by including both interest and applicable service fees in accordance with regulatory standards.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.
156 2nd St, Suite 610
San Francisco, CA 94015
628.800.0889
Backed by
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. 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. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
‡APR, or the Annual Percentage Rate, disclosed above is calculated in accordance with the federal Truth in Lending Act (Regulation Z) guidelines and reflects the total cost of borrowing, inclusive of an estimated 0.5% fee charged by SyntheticFi. This APR represents the nominal interest rate annualized over monthly compounding periods and incorporates all mandatory periodic payments and final payoff obligations associated with the loan.
We are committed to full transparency and compliance; this rate enables an apples-to-apples comparison with other financing options by including both interest and applicable service fees in accordance with regulatory standards.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.
SyntheticFi LLC is an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). SyntheticFi does not provide tax, legal or accounting advice. 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. Investing carries inherent risks, and investment outcomes are not guaranteed unless stated otherwise. Before adopting any investment strategy, we strongly recommend consulting with a qualified financial advisor and/or tax professional.
All interest rate and tax information is current as of 04/21/2025 and reflects SyntheticFi’s best market estimates. Rates shown are indicative only; SyntheticFi does not guarantee execution at the quoted implied interest rates.
*Rates displayed are illustrative and subject to market changes. Not including SyntheticFi's fees.
†The interest rate and tax deduction savings interactive tool is for illustrative purposes only. Calculations assume interest rate savings equal to 2% of the loan amount and potential tax savings equal to 1% of the loan amount. Actual savings may vary based on market conditions, loan structure, tax circumstances, and individual client eligibility. Savings estimates are based on generalized assumptions and do not constitute tax, legal, or investment advice. Users should consult with their own financial or tax advisors to assess the applicability of any savings in their personal circumstances. This tool does not recommend or favor any specific investment and does not evaluate or compare a universe of alternative lending or investment options. Other financial solutions not analyzed here may offer similar or greater benefits.
‡APR, or the Annual Percentage Rate, disclosed above is calculated in accordance with the federal Truth in Lending Act (Regulation Z) guidelines and reflects the total cost of borrowing, inclusive of an estimated 0.5% fee charged by SyntheticFi. This APR represents the nominal interest rate annualized over monthly compounding periods and incorporates all mandatory periodic payments and final payoff obligations associated with the loan.
We are committed to full transparency and compliance; this rate enables an apples-to-apples comparison with other financing options by including both interest and applicable service fees in accordance with regulatory standards.
You can check the background of SyntheticFi LLC on the website of the SEC. Please refer to our Form CRS and Firm Brochure for important disclosures.
By using syntheticfi.com, you accept our Terms of Use and Privacy Policy.