Home Loans

Whether you're buying or refinancing a home, purchasing a vacation or investment property, or helping a family member realize their homeownership goals, let us help you find the best financing solution to meet your needs.

Morgan Stanley Home Loans are offered by Morgan Stanley Private Bank, National Association.

Morgan Stanley Home Loans offer clients:

  1. Choice and Flexibility

    We offer a variety of fully amortizing and interest only mortgages with the options for fixed and adjustable rates.  Loans can be used to purchase or refinance a primary residence, vacation home or investment property.  In addition, we offer options to borrow or vest title in the name of a legal entity, such as a Trust or an LLC1,2,3

  2. Exclusive Rate Discounts

    RELATIONSHIP-BASED PRICING: You and your eligible immediate family members may qualify for a discounted rate or closing cost credit based on your Morgan Stanley relationship.4


    MORTGAGE RATE DISCOUNT FOR NET NEW QUALIFYING ASSETS: You may be eligible to receive an additional rate discount if you apply for a new home loan through Morgan Stanley and bring in new qualifying assets.5

  3. Funding Your Down Payment

    You may be able to reduce or eliminate the need for a down payment by pledging assets held in your Morgan Stanley account as collateral.  Our Pledged Assets mortgage feature allows financing up to 100% of the home value without penalties or Private Mortgage Insurance.  This can help keep your investment strategy on track.  Plus, a pledge can be used towards a family member’s mortgage, which may be an attractive alternative to lending or gifting cash towards a down payment.6

  4. Financial Planning

    Financial Advisors work with Private Bankers to consider clients’ home ownership goals and financing needs as part of a holistic, goals-based financial plan.7

  5. Digital Tools and Easy Online Application

    Take advantage of our digital tools to explore and compare home loan products and representative rates based on your individual needs, submit an application and securely upload documents, all through Morgan Stanley Online. Log on to Morgan Stanley Online and click Home Loans from the Lending tab to get started.

  6. Dedicated Support

    Buying or refinancing a home can be complicated. You will receive ongoing support and advice from a dedicated team of mortgage specialists who will help you, from application through closing.

Get Started Today

Log in to see personalized rates or start the application process. You may also contact your Financial Advisor to learn more.
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