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Morgan Stanley’s primary service has been to provide financial advice and to make investments for the clients.Morgan Stanley Private Bank, National Association (the Private Bank) offers home loans and refinancing your options for their clients and their client’s family members. They describe their offerings as “a comprehensive suite of residential mortgage products with competitive rates to qualified applicants.”

Range of Financial Products Available

The Morgan Stanley Private Bank loan options range from simple to sophisticated mortgages: fixed rate mortgages, a variety of fully amortizing and interest-only adjustable rate mortgages, a 1-Month Libor adjustable rate mortgage and Home Equity Lines of Credit. The types of properties covered are primary residences, vacation getaways, vineyards or other property types. If the borrower has a previous Morgan Stanley relationship that may help them qualify for access to discounted pricing for the borrower or your immediate family members who might become borrowers.

Some Cautionary Notes and Suggestions for Research

The cautionary disclaimers at the end of the website are worth checking out. Essentially, all residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The costs of the loan as far as fees and service charges are not as clearly described or centered in this company’s description of their services. Remember, all retail home loan companies charge you for the privilege of their expertise and service in setting up, evaluating and processing the loan application. Finding out what those costs are is very relevant to your eventual financial obligation and more importantly how much upfront money it costs to get the loan.