Low residential and commercial property prices. Credit windows closed. Stock prices rock bottom.

It's a perfect storm of economic misery out there...

and property investors and developers today are desperate for financing alternatives.

With an abundance of property opportunities and cash in short supply, FreeSpirit, with HedgeLoan has stepped in to enable investors of all sizes to create "liquidity without liquidating" putting the cash they need into play without giving up the right to future portfolio growth.

Own your real estate outright. Get funding in less than a week with no credit score worries or heavy paperwork. Invest in peace without encumbering your other assets.

Sure, it's a perfect storm out there, but we'll keep you warm and dry.

Apply Online for your fast, free, no-obligation quote

Use a HedgeLoan to increase your downpayment or to refinance entirely! Use a HedgeLoan to catch up on back payments. Own real estate outright using limited recourse HedgeLoan financing with interest-only or interest-accrued terms up to 10 years.

What is the Intelligent Alternative?

It is the opportunity to finance your real estate downpayment or entire project with interest-only repayment while still retaining participation in your stock portfolio using an Intelligent Alternative HedgeLoan®

John Shareholder wants to buy a new house. He needs cash for a down payment, but believes some good news is coming soon and doesn't want to liquidate his favorite stock position - now worth $150,000. The house costs $500,000 and he needs $100,000 for a down payment.

Solution: With a HedgeLoan, he receives up to 85% of the value of the stock on a limited recourse basis. If his favorite stock goes up, he can participate in the upside, and if it goes down, he can exercise his right to default on the loan (with no reporting to credit bureaus) and the collateral fully satisfies the loan obligation.

The good news? Either way, he keeps the capital he needed for financing his home purchase.

Behind the Numbers:

Example:

• He owns 15,000 shares of stock currently priced at $10 a share and puts them up for his HedgeLoan.
• With his portfolio worth $150,000, @ 85%, this yields $127,500 in cash to put towards his downpayment, with $27,500 left over for furniture or other expenses.
• Note that your HedgeLoan can be structured into an interest-only or interest-accrued format for client convenience.