{"id":92223,"title":"SyntheticFi Hybrid Mortgage 🏠 - 4.64% APR with extra tax deductions","tagline":"Get 2% lower interest rate compared to big banks. Save extra on taxes with uncapped interest deductions.","body":"We’re [Tony](https://www.linkedin.com/in/yucheng-tony-yang) and [Joseph](https://www.linkedin.com/in/joseph-yezhou-wang/), co-founders of SyntheticFi.\n\nAfter partnering with over 150 financial advisors and helping hundreds of families, today we’re launching our **Hybrid Mortgage** product: **combine a mortgage and your investment portfolio** **to lower the borrowing cost to 4.64%.**\n\n# TLDR - You can borrow money at 4.64% APR, with uncapped tax write-off on interest.\n\nIf the following is true for you, we can help you save money. [Let’s chat](https://form.typeform.com/to/CSvxlN7B) if:\n\n* you have an investment portfolio, and,\n* your current **pre-approval letter** or **mortgage** has an interest rate higher than 4.7%.\n\n**If you know financial advisors (RIAs), mortgage brokers, and realtors**, [we would love to tell them](https://form.typeform.com/to/CSvxlN7B) about our partnership program.\n\n# \n\n![uploaded image](/media/?type=post\u0026id=92223\u0026key=user_uploads/1351685/04b9a84d-2f91-4ce9-837b-515a39f49f9e)\n\n# 🏡 How does a Hybrid Mortgage save money for you?\n\nUnlike a traditional mortgage, SyntheticFi Hybrid Mortgage **uses both your investment portfolio and your real estate property as collateral**. Because your investment portfolio is a lot more liquid than your real estate property, you are able to get a better interest rate.\n\nYou can think of it as a “hybrid” of two loans:\n\n* a securities-backed loan\n* a traditional mortgage\n\nThere are 3 benefits to introducing the securities-backed loan portion:\n\n**_Benefit 1: Interest rate is much lower than a traditional mortgage._**\n\nWe offer different fixed rate options. A popular term is **4.64% APR** fixed for 5 years. If you are borrowing $500,000, reducing the interest rate by 2% is equal to saving $10,000 per year.\n\n**_Benefit 2: Don’t have to sell stocks for down payments - saving on taxes, participate on future growth._**\n\nThe securities-backed loan portion can be used to meet the down payment requirement of the traditional mortgage. **Many of our users are able to buy homes with $0 cash down payments.** This allows them to keep their investments in the stock market to grow over time, while avoiding the capital gains taxes associated with asset sales.\n\n**_Benefit 3: Write off interest expense_**\n\n**You can write off interest on the securities-backed loan with no cap and no need to itemize deductions**. By contrast, interest deduction on a traditional mortgage is limited to interest from $750K in principal and requires itemized deduction. If you are getting a mortgage over $750K, you’d be leaving money on the table, because you didn’t maximize your tax deductions.\n\n# ⁉️ But it sounds too good to be true?\n\nYou are right to be cautious. Here is why you should trust SyntheticFi.\n\n**_Hybrid mortgage has been gate-kept by the ultra-rich._**\n\nBanks have long offered similar programs to the ultra-high net worth individuals (\u0026gt;30MM) via personal bankers. We are democratizing access to this product.\n\n**_We’ve done this, hundreds of times._**\n\nHundreds of families have used SyntheticFi Hybrid Mortgage to buy their homes. CBOE, the largest options exchange in the word, features our co-founder Joseph’s [in-depth article](https://www.cboe.com/insights/posts/long-dated-box-spreads-a-better-way-to-buy-a-home-updated/) explaining how our product works.\n\nAdditionally, we partner with over 150 professional financial advisors all over the US. [OUI Financial](https://ouifinancial.com/en/financing) is one of them: they have featured SyntheticFi on their website because they have had so much success with us.\n\n**_We’re regulated by the SEC._**\n\nSyntheticFi is regulated by the SEC as a registered investment advisor (RIA). We are a fiduciary, and you do not have to move your assets anywhere.\n\n# ➡️ Interested in learning more?\n\n[Let’s chat](https://form.typeform.com/to/CSvxlN7B) if:\n\n* you have an investment portfolio, and,\n* your current **pre-approval letter** or **mortgage** has an interest rate higher than 4.7%.\n\nIf you know financial advisors (RIAs), mortgage brokers, and realtors, [we would love to tell them](https://form.typeform.com/to/CSvxlN7B) about our partnership program.","slug":"NzT-syntheticfi-hybrid-mortgage-4-64-apr-with-extra-tax-deductions","created_at":"2025-07-16T20:42:50.293Z","updated_at":"2026-07-22T10:59:43.798Z","total_vote_count":147,"url":"https://www.ycombinator.com/launches/NzT-syntheticfi-hybrid-mortgage-4-64-apr-with-extra-tax-deductions","share_image_url":"https://www.ycombinator.com/media/?type=post\u0026id=92223\u0026key=user_uploads/1351685/04b9a84d-2f91-4ce9-837b-515a39f49f9e","company":{"id":29026,"name":"SyntheticFi","slug":"syntheticfi","url":"https://www.syntheticfi.com/","logo":"https://bookface-images.s3.amazonaws.com/small_logos/21cd7289472fa982f68b9ab59329eb2acf583e66.png","batch":"Summer 2023","industry":"Fintech","tags":[],"search_path":"https://bookface.ycombinator.com/company/29026"}}