Lending Services
Assess my Needs
Which loan is right for me?
How you borrow is a personal decision. Use this needs analysis to get started, then speak to your Financial Advisor advisor about your own unique situation.
For illustration only. Loans are assumed to be $25,000 or more.
When used wisely, borrowing can be beneficial to your total wealth management. Your Financial Advisor advisor may receive compensation in connection with this lending program. Affiliates of Smith Barney may earn fees in connection with the funding, origination, servicing, and sale of a loan. All loans and lines — other than securities-backed loans and lines made by Citibank Global Markets Inc. — are made by Citibank, N.A., or CitiMortgage, Inc., equal opportunity and equal housing lenders, and are subject to Citibank's or CitiMortgage's qualifications, underwriting guidelines and credit approval.
CitiMortgage does business as Citicorp Mortgage in NM. In CT and NJ, Citigroup Global Markets Inc. is the BROKER ONLY, NOT THE LENDER. Citigroup Global Markets Inc. is a registered mortgage broker, NYS Banking Department. In AZ Citigroup Global Markets Inc. is a licensed Mortgage Broker (Lic. No. 0903067). Citigroup Global Markets Inc., Citibank, N.A, and CitiMortgage, Inc., are subsidiaries of Citigroup Inc. A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or, in the case of a dual collateral loan, both. Smith Barney policy does not permit clients to use the proceeds of a home loan to invest in securities or related markets. A Smith Barney relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Smith Barney Home Loan Program at Citibank. Home equity programs not available in AK.
Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor advisor for details.
For more information, please contact your Financial Advisor.
Error: The information you entered into one or more of the fields below is not suitable. Common problems are:
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Based on your profile, you have sufficent equity in your home for a home equity loan or line of credit. However, this type of loan may not meet your time frame. Consider applying for a a home equity line of credit for future needs. Once established, you have a revolving line of credit for upto 10 years.