Why Selling Your Investments Now Might Be a Huge Mistake (And What You Can Do Instead)

Written by Joe & Marni Costa and The Park Place Collective Group

Here’s a smarter way to buy a home without touching your down market portfolio.

With everything going on in the markets right now—stocks down, bond yields all over the place, and mutual funds getting dragged through the mud—it’s easy to feel like your hands are tied.

Especially if you’re a buyer looking to purchase a home and your savings are tied up in these investments.

Here’s the problem:

You know liquidating now could mean taking a huge loss.

But you also don’t want to miss out on the perfect home.

So what do you do?

You pledge it, don’t sell it.

At Park Place Collective, we’ve helped clients in this exact situation with one of the most underrated tools in today’s mortgage market: the Pledge Asset Home Purchase Loan Program.

Here’s how it works in plain English:

Instead of selling your investments at a loss, you pledge them as collateral. You still get to use them to support your home loan—without cashing out.

Why this is a game-changer:

• No need to sell low: Avoid locking in losses while the markets are suppressed.
• Still qualify for a strong loan: Your pledged assets help you qualify for better terms.
• Keep your upside potential: As the markets recover, your portfolio gets a second chance to climb back to pre-crash values.
• Stay invested, stay liquid: You keep ownership of your assets while putting them to work toward homeownership.

This strategy isn’t for everyone. But if your net worth is heavily tied to the market—and you're reluctant to sell now—it could be the smartest way to buy your next home.

Why buyers love it right now:

We’re seeing more and more savvy buyers turn to this program.

They don’t want to dump their investments at the worst possible time.

They know the market will bounce back eventually.

And when it does, they’ll be sitting pretty—with a new home AND their investments intact.

If you're find yourself in this situation, reach out to us today.

We’ll walk you through the details, run the numbers, and see if this program is the right fit for your situation.

We’re not just here to get you a loan—we’re here to get you the right loan for your full financial picture.

Joe & Marni Costa

🏠 Park Place Collective Group

📋 NMLS: 2571108

📞 Let’s chat about your options—before you sell anything you don’t have to.

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