Super rich Americans like Mark Zuckerberg and Jay Z have taken out their home mortgage.

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For many people, the only way they can afford to buy a home is to fund it with a mortgage and pay off the loan over time.

In the first quarter of 2025, the median U.S. home sales prices were $503,800, according to Federal Reserve economic data. Given that the median annual wage was only $61,984 in the last quarter of 2024, it’s easy to see why typical working Americans can’t afford a down payment at home today.

But the people at Uber-Wealthy are in a different position. People with billions of dollars in their names can buy a home completely, rather than stealing a loan.

But celebrities like Mark Zuckerberg, Elon Musk and Jay Z all made headlines to take away millions of dollars of mortgages.

People with billions of names may not be worried about cash flow, but taking away a mortgage is a strategic move to maintain liquidity and maintain cash available for other investments, rather than tie it up with relatively ineffective assets like real estate.

Take, for example, Jay-Z and Beyoncé from Hollywood Power Couples. According to the LA Times, in 2017, the total net worth was $1.6 billion, and the net worth was $1.6 billion, but it set a $52.8 million mortgage to buy the $88 million Hillside Estate in Los Angeles.

Robert Cohan, managing director of Carlyle Financial, told Business Insider.

You can land affordable mortgage rates without falling into the 1% American elite category. The key is not to accept the initial offer on the table. And then you have to shop and get a quote from at least three lenders.

According to a survey conducted by Lendingtree, 45% of home buyers who received multiple citations received lower fees than their initial estimates.

If you have purchased a home with a fixed rate in the past few years, you may be able to refinance at a lower rate right now.

Mark Zuckerberg, the world’s second-wealthest man (according to Forbes’ real-time billionaires list), did the same.

In 2012, when Zuckerberg was ranked 40th on the list with an estimated net worth of $15.6 billion, he refinanced his home in Palo Alto, California, with a 30-year adjustable-rate mortgage of 1.05%.

The rate probably won’t drop to that level anytime soon, but the Federal Reserve rate cuts over the past few months have already had a significant impact. The median mortgage is currently hovering at around 6.95%, down from 8% last October.

We recommend considering options as the Fed plans to further reduce its benchmark rate in the coming months.

Ideally, shopping will allow you to land a lower price. According to a survey by Lendingtree, 56% of home buyers shopped when they refinanced their mortgage. Additionally, 81% of those who chose to refinance left at a lower rate than what they started.

Read more: Rich Young Americans Throwing Stormy Stock Market – Instead, the alternative assets they list banks are:

Even a certified investor can be a hassle to buy additional property for rent or return on investment. Beyond ongoing maintenance and property taxes, there is also the additional burden of managing your tenant, as well as the liability associated with being a landlord.

This is here First National Realty Partner (FNRP) Certified investors own investments in commercial property on the facility where food is anchored.

FNRP’s team of experts manages the entire lifecycle of your investment, from property due diligence to acquisitions and tenant management. The company typically leasses its properties to domestic brands that sell essential products such as Walmart, Whole Foods, CVS, and Kroger.

I also pay for FNRP Positive cash flow as dividends per quarterhelps to generate passive income without worrying about managing your property or tenant.

Another option to invest in real estate is the US home equity market, a massive $36 trillion industry that has long been booked for large institutional players. HomeShare is transforming this space by allowing certified investors to directly access homes occupying hundreds of major owners Cities in the US Headache-free of buying, owning or managing property through a US home equity fund.

The fund focuses on homes with substantial stocks to help homeowners access liquidity without receiving debt or additional interest payments using household equity agreements (HEAS).

This approach provides an effective method of handoff Invest in high quality residential propertiesand there is the added benefit of diversification across various regional markets, with the minimum investment of $25,000.

Risk-adjusted target returns ranging from 14% to 17% allow US home equity funds to unlock favorable real estate opportunities and offer to certified investors Low maintenance replaces traditional property ownership.

Home Share Also, certified investors will have access to the $36 trillion US home equity market, which has historically been an exclusive playground for institutional investors.

With a minimum of $25,000 investment, investors can directly get access to homes occupied by hundreds of owners in top U.S. cities through their home equity funds.

With risk-adjusted internal returns ranging from 14% to 17%, this approach provides an effective method of handoff Invest in a home occupied by the owner The whole regional market.

This article is for information only and should not be construed as advice. It is provided without warranty of any kind.