The right financing solution for your way of life

Mike Musial brings more than 10 years of experience as a mortgage and lending specialist, helping individuals solve their credit and borrowing needs. As a lending solutions consultant with Raymond James Bank, he provides a variety of tailored borrowing options, including securities based lines of credit1, 2, margin loans1 and mortgages3, to meet the needs of individuals and families throughout Illinois, Minnesota, Missouri and Wisconsin.

Throughout his career, Mike has developed the skills and industry insight to help you secure the rates and terms to best match your cash flow needs as well as provide liquidity to handle unplanned emergencies or opportunities. He is dedicated to giving you the same level of expert attention on the debit side of the balance sheet as your advisor does on the asset side to find the right kind of financing that best complements your life and your long-term financial goals.

Raymond James Bank, a wholly owned subsidiary of Raymond James Financial, was chartered in 1994 to augment the firm’s traditional brokerage services. To accomplish that, the bank offers a variety of innovative, versatile financial solutions to meet just about any borrowing need. Working closely with your financial advisor, Mike can help you compare various loan options to find the solution that not only fits your needs but also fits seamlessly into your overall financial plan.

1 Margin or a Securities Based Line of Credit may not be suitable for all clients. The proceeds from a Securities Based Line of Credit cannot be used to purchase or carry margin securities. Borrowing on securities based lending products and using securities as collateral may involve a high degree of risk. Market conditions can magnify any potential for loss. If the market turns against the client, he or she may be required to deposit additional securities and/or cash in the account(s) or pay down the loan. The securities in the pledged account(s) may be sold to meet the margin call, and the firm can sell the client’s securities without contacting them. The interest rates charged for a Securities Based Line of Credit are determined by the market value of pledged assets and the net value of the client’s Capital Access account. The interest rates charged for Margin are determined by the amount borrowed. For additional information on margin, visit http://sec.gov/investor/pubs/margin.htm.

2 Securities Based Line of Credit provided by Raymond James Bank. Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, a federally chartered national bank.

3 Mortgage services provided exclusively through Raymond James Bank, N.A.

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