05/18/2026
Did you know? 📢 The Best Kept Secret in Mortgages: Buying a Home for Loved Ones
Did you know you can purchase or refinance a home for an elderly parent or a disabled adult child and still get owner-occupied financing?
That is right. Under both Fannie Mae and Freddie Mac guidelines, you do not have to absorb the higher interest rates and steep down payment requirements of an investment property or second home loan.
💡 The Big Deal: No Title or Loan Signatures Required
The occupying parent or child does not even need to be on the loan or on the title.
• How it works: If an elderly parent or disabled adult child is unable to work or doesn't have sufficient income to qualify for a mortgage on their own, a family member can step in as the primary borrower.
• The benefit: The transaction is classified as a primary residence, unlocking the lowest possible interest rates and down payments as low as 5%.
🏡 A Cost-Effective Alternative to Care Facilities
With senior independent living and assisted care costs skyrocketing, this guideline exception is a massive game-changer for family financial planning. It allows families to provide safe, independent, and stable housing for their loved ones while building long-term wealth.
If you have been wondering how to support a parent or adult child's housing needs without breaking the bank, this is the solution.
📲 Reach out today to see how we can put this program to work for your family!
