Make your way home

About UBS Bank USA products
¹ Rate assurance provides applicants the ability to lock in the interest rate once all documents needed to issue a pre-approval have been provided. Applicants can lock in a 60-day rate for the 60-day pre-approval period and are then eligible to extend the lock up to an additional 60 days (120 days in total) as long as the signed sales agreement is obtained within the initial 60-day pre-approval period. If a signed sales agreement is not secured within the initial 60 days or a full application is not submitted and the loan is not closed before the rate lock expiration, the rate would reprice to the higher of the locked rate or current market rates.

² If you are purchasing a new home, UBS Bank USA promises to close your loan by the date specified in your purchase and sale agreement. If your loan fails to close on time due to a delay caused by UBS Bank USA, you will receive a credit of up to $1,000 against your closing costs. To be eligible, you must request and obtain a UBS Bank USA pre-approval letter and your purchase and sale agreement must have a closing date that is at least 30 days after the date that you submit to us a loan application and copy of the purchase agreement. Our promise is subject to the following conditions:

        • You must meet all requirements for qualifying for the requested loan.
        • Loans involving the following property types are not eligible: condominiums, co-ops, properties under construction/renovation, or properties that are not common to the area.
        • You must provide any documentation required by us in a timely manner and such documentation must be complete and accurate.
        • The delay in closing must be caused by UBS Bank USA. If the delay is attributable to you or the seller, then this offer does not apply.
        • This offer does not apply if you change loan products, loan amount or other terms as specified in your pre-approval letter.
        • This offer does not apply if the purchase and sale agreement is subsequently amended to specify an earlier closing date.

UBS Bank USA reserves the right to withdraw, terminate, or amend this offer at any time without notice, except for eligible purchase transactions submitted prior to our withdrawal, termination, or amendment.

³ The UBS MortgagePlus program requires the pledge of eligible securities in a UBS brokerage account as additional collateral. If the value of the pledged securities decreases below a certain level (as specified within the loan documents), the deposit of additional securities and/or the sale of securities may be required (known as a “collateral call”). UBS may sell some or all of the pledged securities without contacting you. You are not entitled to an extension of time to meet a collateral call or to choose which securities are sold to meet the collateral call. Trading of the pledged securities is subject to certain restrictions. The sale of securities may result in adverse tax consequences and mortgage interest may not be deductible if tax-exempt obligations are pledged as additional collateral. UBS does not provide legal or tax advice and you should consult with your legal and tax advisors.

In the case of a MortgagePlus loan, the amount you borrow will be higher than with a standard mortgage loan and your Financial Advisor will receive higher compensation. In addition, your origination fee and closing costs will be higher and you will pay more in interest than if you made a cash down payment. There is a financial incentive to recommend the use of a mortgage loan rather than the sale of securities to meet your cash needs—such as for a down payment—because UBS Bank USA and your Financial Advisor receive compensation related to the loan. In addition, your Financial Advisor receives compensation related to the securities you continue to hold in your account. For MortgagePlus loans, your Financial Advisor also receives compensation related to the investments used as additional collateral to secure the loan.

⁴ A UBS Liquidity Advantage Refinance is a home financing strategy that involves a cash purchase of real estate from a line of credit extended through the collateralization of eligible securities. A UBS Liquidity Advantage refinance loan is subject to eligibility requirements and the proceeds of the mortgage loan may not be used to purchase, carry or trade in securities, or to repay any debt to any affiliate of UBS Bank USA without prior approval from UBS Bank USA or deposited into a UBS RMA but can be used to pay back the amount borrowed on the UBS Bank USA credit line. This strategy may not be appropriate for all clients and is not permitted for Texas homestead properties

⁵ Credit Lines are securities backed loans provided by UBS Bank USA, an affiliate of UBS Financial Services Inc. (UBS-FS). Credit Lines are full recourse demand loans, are subject to credit approval, and are “margin loans” subject to collateral maintenance requirements (i.e. margin requirements). The lender can (i) demand repayment and/or (ii) change collateral maintenance requirements (i.e., margin requirements) at any time without notice. If the required collateral value is not maintained, the lender can require you to post additional collateral (commonly referred to as a “margin call”), repay part or all of your loan and/or sell your securities. Failure to promptly meet a margin call or repayment or other circumstances (e.g., a rapidly declining market) could cause the lender to liquidate some or all of the collateral supporting the Credit Lines to repay all or a portion of the outstanding Credit Line or margin obligations. Any required liquidations may result in adverse tax consequences. You are personally responsible for repaying the Credit Line in full, regardless of the value of the collateral. Securities backed financing involves special risks, is not suitable for everyone and may not be appropriate for your needs. For a full discussion of the risks associated with borrowing using securities as collateral, you should review the Loan Disclosure Statement that will be included in your application package.

Credit Lines are either non-purpose or purpose loans. Non-purpose loans may not be used directly or indirectly to purchase, trade or carry securities or to repay debt used to purchase, trade or carry securities and may be used for other liquidity needs such as personal expenses, real estate transactions, or other needs. Purpose loans may be used to purchase, trade or carry securities or may be used for other liquidity needs such as personal expenses, real estate transactions, or other needs. Please review your loan agreement to make sure you understand which type of loan you have and that you ensure you are in compliance with its terms. Credit Lines may not be used to repay debt to any affiliate of UBS Bank USA. Additional limitations and availability may vary by state. Prepayments of UBS Fixed Credit Lines will be subject to an administrative fee and may result in a prepayment fee.

UBS-FS and its Financial Advisors have a financial incentive to recommend the use of securities backed loans (SBLs), rather than the sale of securities to meet cash or other liquidity needs. Our Financial Advisors receive compensation based on the outstanding balance on a non-purpose SBL and the applicable interest rate spread for the SBL. Financial Advisors do receive credit for the amounts of the purpose loan drawn for purposes of bonuses, awards, and club status. In addition, UBS-FS receives servicing fees from certain lending affiliates based on the amount of outstanding loan balances to compensate us for referring clients and for administrative and operational support relating to the loans. The interest you pay for the loan is separate from and in addition to other fees you may pay related to the investments used to secure the loan, such as ongoing investment advisory fees (wrap fees) and fees for investments such as mutual funds and ETFs, for which UBS-FS and/or our affiliates receive administrative or management fees or other compensation. As such, we benefit if you draw down on your loan to meet liquidity needs rather than sell securities or other investments, which would reduce our compensation. When assets are liquidated pursuant to a house call or demand for repayment, UBS-FS and your Financial Advisor also will benefit if assets that do not have ongoing fees (such as securities in brokerage accounts), are liquidated prior to or instead of assets that provide additional fees or revenues to us (such as assets in an investment advisory account). Further, different types of securities have higher release rates than others, which can create a financial incentive for your Financial Advisor to recommend products or manage the account in order to maximize the amount of the loan. UBS-FS and its Financial Advisors and employees offer banking and lending products to clients through our affiliates and third-party banks in our capacity as a broker-dealer and not as an investment adviser.

UBS Bank USA, UBS-FS, their employees and affiliates do not provide legal or tax advice. You should contact your personal tax and/or legal advisors regarding their particular situations, including the legal and tax implications of borrowing using securities as collateral for a loan.

⁶ Jumbo loans may be eligible for a relationship discount for loan amounts up to $40 million via the UBS Bank USA Premier Pricing program. As of January 1, 2024, jumbo loans are generally financed loan amounts greater than $766,550 for a single family home in all states (except Hawaii and Alaska and a few federally designated high-cost markets, where the limit is $1,149,825). Premier Pricing is not available for conforming or conforming plus loans. To qualify for Premier Pricing clients must, at least 10 days prior to closing, have marketing household assets at UBS of $250,000 or more. Premier Pricing eligibility and qualifying parameters are subject to change at any time without notice. For loan amounts over $40 million, consult your UBS Bank USA Wealth Management Banker or Private Mortgage Banker.

⁷ No tax or legal advice. UBS Financial Services Inc., its affiliates and its employees do not provide tax or legal advice and any information provided should not be construed as such. You should consult with your personal tax and/or legal advisors regarding your particular situation.    

⁸ UBS Private Mortgage Bankers and Wealth Management Bankers are employees of UBS Bank USA and are individually registered Nationwide Multistate Licensing System & Registry (NMLS). UBS Financial Advisors are employees of UBS Financial Services Inc.

About UBS Bank USA
Final commitment is subject to verification of information, appraisal and title report, meeting our customary closing conditions, and if the loan is being obtained to purchase a home then receipt of a satisfactory sales contract on the home you wish to purchase.

All residential mortgage products are only offered by UBS Bank USA, Member FDIC, NMLS No. 947868. NMLS Consumer Access available at https://nmlsconsumeraccess.org/. All loans are subject to underwriting, credit and property approval. Please note that not all mortgage products are available in all states, or for all loan amounts. Other restrictions and limitations may apply. UBS Bank USA currently offers residential mortgage loans within the 50 states of the United States of America and the District of Columbia.

The proceeds of a UBS Bank USA mortgage loan cannot be deposited into a UBS securities account, used to purchase, carry or trade in securities, or to repay any debt to any affiliate of UBS Bank USA. Purchase, rate/term refinance and cash-out refinance are permitted. Certain rules and restrictions may apply for homestead properties located in Texas.

UBS Bank USA is a subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

About UBS Financial Services Inc.
The RMA, Business Services Account BSA and IRMA are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a Member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org. The RMA, Business Services Account BSA, and IRMA account provides access to cash management products and services through arrangements with affiliated banks and other third-party banks, and provides access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. is not a bank.

Investment, insurance and annuity products: Not FDIC insured • Not a deposit • No bank guarantee • May lose value 

Important information about brokerage and advisory services. 
As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business, and that you carefully read the agreements and disclosures that we provide to you about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary, or ask your UBS Financial Advisor for a copy.

This information is not provided based on your particular financial situations or needs and does not take into account individual investors' circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

UBS Financial Services Inc. and its employees (including Financial Advisors) do not take mortgage loan applications, do not offer mortgage loans and do not negotiate terms of mortgage loans.

UBS Financial Services Inc., 1200 Harbor Blvd., Weehawken, NJ 07086. NMLS No. 6737. Georgia Residential Mortgage Broker Registrant No. 18092. Massachusetts Mortgage Broker Lic. No. MB6737. New York Mortgage Broker Registration No. RMB 208541.
UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member SIPC. Member FINRA.

© UBS 2024. The key symbol, UBS, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account and IRMA are among the registered and unregistered trademarks of UBS. All rights reserved.

20241021-3943798 Exp. 10/21/2025