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Alexis Leondis

A 3% Mortgage? Leveraging Your Stocks to Buy a Home

A hot new trend among would-be buyers is to borrow against their investment portfolios to access cheap funds as traditional rates soar.

An alternate path to all-cash.

An alternate path to all-cash.

Photographer: Brandon Bell/Getty Images 

There may be signs the overheated housing market is cooling, but many buyers still feel like it’s near-impossible to get a house without an all-cash offer, or something close to it.

One way to get your hands on that amount of cash is to borrow against an investment portfolio. It’s a strategy billionaires have used for years to fund their lifestyles: wielding assets such as long-held stock as collateral so they don’t have to sell and be subject to taxes. These days, more of the well-to-do are turning to their portfolios to come up with cash and seal the deal on a home.