[TuringNYC]

Well, for these types of situations, there are other lending facilities. You can borrow against assets if you have lots of liquid assets (e.g., stock that you cannot sell due to cap gains).

This is very common for stock-rich-income-poor workers who have long term stock comp. Of course, doing that encumbers the stock/asset rather than the house, which isnt exactly the same, but you still get the money to buy a home.

[chubbyFIREthrwy]

I considered those, but they have variable rates (which are likely to be much higher than 2.x% over the 30 year term) and risk being margin-called during a crash.

[Dylan16807]

And what kind of interest rate do you get?

[jleahy]

1.33% using interactive brokers, that’s variable but you could swap it to a fixed rate by using eurodollar futures.

[refurb]

I've heard of people using their line of credit based on equity holdings and the interest rate can be pretty close to prime, but obviously isn't fixed.