Pledged Asset Program

Converting Assets to Down Payment without Liquidation

MOS will finance up to 90% of a home’s value by pledging security assets or savings in lieu of a down payment, second mortgage or HELOC.

This program is ideal for clients who are in need of deferring capital gains or losses while maintaining their investment strategy as interest and dividends continue to be paid on the pledged account.

Any person may pledge assets on behalf of the borrower.

Available on ALL MOS Portfolio products for all transactions and all occupancy types.

Pledged Asset Program

  • Eligible assets to pledge include CDs, money market, savings, and checking accounts, certain stocks, bonds, mutual funds, as defined in our posted guideline. Retirement accounts and 529 plans are NOT eligible.

  • Funds do NOT have to be held in an account at MOS

  • Pledged accounts may be considered for release after 36 months at MOS’s sole discretion

  • New appraisal must reflect pledged LTV at time of release request, LTV must be equal to or less than original effective LTV

  • Borrower must be current on loan payments with no delinquencies in the last 12 months to qualify for pledge release

  • Not available in VA, WV or DC

Pledged Assets Program Example

Purchase Price(Primary, SFR)



Normal Down Payment  Required



Loan Amount



With Pledge Asset Program:

Cash Down Payment



Pledge the Balance



This results in 90% LTV, a loan amount of $1,800,000, and no Mortgage Insurance.

Amounts of Assets to Pledge


Non-volatile assets- savings, CDs, money market Accounts


Volatile Assets – stock, bonds, mutual funds, etc.