Revolutionizing Mortgage Syndication
Mortgage S.I. combines traditional mortgage syndication with blockchain technology to create transparent, efficient, and accessible investment opportunities.
Club Deal Syndication
Small group of lenders collectively providing funds for a mortgage with pre-arranged commitments.
Best-Efforts Syndication
Syndicate attempts to sell the mortgage to investors but isn't obligated to provide any unfunded amounts.
Crypto Integration
Participate using BTC, BCH, XLM, and Fractal Bitcoin (FB) with instant settlement and transparent tracking.
The Syndication Process
Our streamlined process makes participating in mortgage syndication accessible to all.
1. Deal Origination
Our team sources high-quality mortgage opportunities with thorough due diligence.
2. Deal Structuring
We determine the optimal syndication structure (Club Deal or Best-Efforts) based on the mortgage characteristics.
3. Investor Participation
Participants commit funds in BTC, BCH, XLM, or FB through our secure platform.
4. Closing & Funding
Once fully subscribed, divide contracts are issued to ensure timely, payments. The mortgage is funded and the loan is originated. For divide contract info visit unspent.app
5. Loan Servicing
We handle all loan servicing and distribute payments to participants in their chosen cryptocurrency.
Current California Syndication Opportunities
Browse our available California mortgage syndication deals and participate with cryptocurrency. Status: Data not live and for educational purposes only.
Commercial Property - Los Angeles
Ref #: CD-CA-2023-0452
Term
5 years
Interest Rate
7.25% fixed
Location
Los Angeles, CA
Property Type
Office Building
Multifamily - San Francisco
Ref #: CD-CA-2023-0453
Term
3 years
Interest Rate
6.75% fixed
Location
San Francisco, CA
Property Type
Apartment Complex
Retail Center - San Diego
Ref #: BE-CA-2023-0789
Term
7 years
Interest Rate
8.25% fixed
Location
San Diego, CA
Property Type
Shopping Center
Industrial Warehouse - Sacramento
Ref #: BE-CA-2023-0790
Term
5 years
Interest Rate
7.5% fixed
Location
Sacramento, CA
Property Type
Distribution Center
Lending Terms & Conditions
Understand the terms governing our mortgage syndication deals.
General Terms
- Minimum participation amount: $25,000 or crypto equivalent (BTC, BCH, XLM, FB)
- Funds are locked for the duration of the loan term
- Interest payments distributed monthly in cryptocurrency (BTC, BCH, XLM, FB) or fiat
- Principal returned at maturity or upon loan payoff in original contribution currency
Crypto-Specific Terms
- Accepted cryptocurrencies: Bitcoin (BTC), Bitcoin Cash (BCH), Stellar (XLM), and Fractal Bitcoin (FB)
- Real-time conversion rates applied at time of participation
- FB holders receive 0.25% lower interest rates on participation
- XLM transactions settle within 3-5 seconds with minimal fees
Legal Compliance
- Syndicate by Mortgage S.I. 2023
- Mortgage loan origination NRS 645B.0104
- Residential mortgage loans NRS 645B.016
- Secure and Fair Enforcement for Mortgage Licensing Act of 2008, 12 U.S.C. §§ 5101 et seq.
- Cal. Fin. Code § 22050.5
Sub-participation Options
Secondary market participation for existing syndicated loans.
Partial Assignment
Transfer a portion of your participation to another investor while maintaining your position.
Full Assignment
Transfer your entire participation to another investor, exiting the syndicate.
Risk Participation
Sell only the risk portion of your participation while maintaining the income stream.
