Lending

As a client of Wells Fargo Advisors, you can now turn to us for assistance with virtually all your borrowing needs. We work with dedicated lenders, who provide a variety of loan options that can support your long-term goals.

Using a consultative approach, they can compare solutions to fit your tax situation, wealth-creation strategy, and time frame. Working in partnership with dedicated lenders, we can coordinate mortgage loans, including construction-permanent financing, personal loans, home-equity lines, and commercial mortgages for income-producing properties.

Asset-secured loans that can provide more leverage than margin loans while offering extremely competitive fixed and adjustable rates.

Using debt wisely can help you create wealth. Refinancing high-interest debt can reduce monthly payments, freeing up cash to invest. Borrowing against your securities while staying invested allows you to sell stocks according to your investment plan rather than your liquidity needs, and avoid potential negative tax consequences.

If you would like to review whether refinancing your existing debt could save you money, or are in the market for any kind of loan, give us a call or email for more details about lending services.

Securities-based lending has special risks and is not suitable for all investors. If the market value of your pledged securities declines below required levels, you may be required to pay down your line of credit or pledge additional eligible securities in order to maintain it, or the lender may require the sale of some or all of your pledged securities. The sale of your pledged securities may cause you to suff er adverse tax consequences. You should discuss the tax implications of pledging securities as collateral with your tax advisor. Wachovia is not a tax or legal advisor. Please read all line of credit documents carefully.

All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Initial decision is subject to your meeting specific underwriting requirements and final approval will be based upon your satisfying those requirements. Contact one of our Financial Advisors for details. The proceeds from an asset backed loan may not be used to purchase additional securities. Securities held in a retirement account cannot be used as collateral to obtain a loan. Securities purchased in the pledged account must meet collateral eligibility requirements.

 

 

 

 

Lending and other banking services available through the Banking Services Group of Wells Fargo Advisors, LLC are offered by banking and nonbanking affiliates of Wells Fargo & Company, including but not limited to, Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.; Wells Fargo Home Equity Group, a division of Wells Fargo Bank, N.A.; Wachovia Bank, N.A.; Wachovia Bank of Delaware, N.A.; or Wachovia Financial Services, Inc.