Schedule a time with a Loan Officer
Apply Now

Mortgage Lenders in Raleigh NC

  • Buy A Home
  • Refinance
  • Learning Center
  • About
  • Contact
(919) 238-4934
CALL US TODAY! (919) 238-4934
  • Buy a Home
  • Refinance
  • Learning Center
  • About
  • Contact
  • Buy a Home
  • Refinance
  • Learning Center
  • About
  • Contact

A Comprehensive Guide to Family Helping Family Mortgage (a.k.a. the Fannie Mae Family Opportunity Clause): Helping Your Elderly Parents or Adult Disabled Child Purchase a Home

May 19, 2025 by Kevin Martini

Let’s be real: the idea of buying a second home for someone else, without the sky-high rates or down payments? It sounds too good to be true.

But it’s not.

Welcome to the Family Opportunity Mortgage offered by the Martini Mortgage Group, a little-known loan program that could be a game changer for Raleigh families.

What is the Family Opportunity Mortgage?

Fannie Mae’s Family Opportunity Mortgage lets you buy a home for your aging parent or disabled adult child, as if you were buying it for yourself.

In plain terms? You get the benefits of an owner-occupied loan (lower rates, better terms), without the requirement of actually living in the home.

It’s not a loophole. It’s a lifeline.

Why It Matters in 2025

At Martini Mortgage Group, we’ve seen a sharp uptick in families in Raleigh and across North Carolina searching for smarter ways to support loved ones, without draining their own financial future.

Here’s the breakdown:

  • ✅ Lower interest rates than second home or investment loans
  • ✅ No minimum distance requirements (yes, you can buy down the street)
  • ✅ Smaller down payments—making it more accessible for buyers
  • ✅ No need to live in the home yourself

Whether you’re buying for a parent on a fixed income or a child with a permanent disability, this is the kind of flexibility most people don’t even know exists.

Common Questions (That We Get All the Time)

Q: Can I buy a house for my parents and use it as their primary residence?
Absolutely—this program was made for exactly that.

Q: Do I have to prove my parents can’t qualify on their own?
Yes. You’ll need to show they cannot afford the home themselves due to income limitations.

Q: Can I use this to buy a home for my adult child with a disability?
Yes, as long as there is documentation proving they cannot work or afford housing on their own.

Q: Can the home be close to my current residence?
Yes—unlike second-home guidelines, there are no distance restrictions.

What Most People Overlook

Let’s talk strategy. This mortgage isn’t about charity. It’s about creating security and preserving wealth.

Helping mom or dad stay nearby? That’s peace of mind.
Giving your disabled child a stable place to live? That’s legacy.

And if you’re working with a top Raleigh Mortgage Lender like Martini Mortgage Group, it’s also surprisingly affordable.

A Word of Warning

Not every lender understands how to structure this loan. And not every borrower qualifies.

That’s why it pays to work with a Certified Mortgage Advisor—someone like Kevin Martini or Logan Martini—who knows the guidelines, the strategy, and the why behind the loan.

Want to Know If You Qualify?

The Family Opportunity Mortgage might be your smartest financial move of 2025—but only if you structure it right.

Call Certified Mortgage Advisor and Raleigh Mortgage Broker Kevin Martini or Logan Martini for a judgment-free strategy session with the Martini Mortgage Group, Raleigh’s trusted team for mortgage clarity and confidence.



Logan Martini | NMLS 1591485 | Senior Mortgage Strategist | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | Equal Housing Lender


Kevin Martini | NMLS 143962 | Certified Mortgage Advisor | Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | 507 N Blount St, Raleigh, NC 27604 | (919) 238-4934 | www.MartiniMortgageGroup.com | [email protected] | Equal Housing Lender

Filed Under: Buy a Home, Conforming Loan, Conventional Loan, Family Helping Family, Family Opportunity Mortgage, Fannie Mae, Freddie Mac, Home Loan, Home Loans, Mortgage, Raleigh, Raleigh Mortgage, Real Estate, Wake County Tagged With: Buying a Home in North Carolina, Buying a Home in Raleigh, Family Opportunity Mortgage, Logan Martini, Mortgage Tips, North Carolina, Raleigh, Real Estate

    Contact Form


    to Terms of Use | Privacy Policy | TCPA Consent * By submitting you agree to our Privacy Policy, Online Policy, TCPA Disclosure & Consent for SMS/Texting. Msg/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. By checking this box, you expressly consent that Martini Mortgage Group may call, text and email you about your inquiry. This may involve the use of automated means and prerecorded/artificial voices. This consent is not a condition to purchase any products or services. You are providing express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by Martini Mortgage Group. You may revoke this consent at any time by replying 'STOP' to any text message you receive or by contacting us at +1(919) 238-4934.

    Quick Links
    • Buy A Home
    • Refinance
    • Learning Center
    • Contact
    • About
    • Blog
    • Apply Now
    Loan Options
    • Conventional
    • FHA
    • VA
    • Jumbo
    • Reverse Mortgages
    • Cash-out Refinance
    • First Time Home Buyers
    • Bank Statement Loans
    • USDA
    • DSCR
    Resources
    • Home Purchase Qualifier
    • Refinance Analysis
    • Search Homes For Sale
    • Home Value Estimate
    • Mortgage Calculator
    • Mortgage Process
    • FAQs
    • Living in Raleigh
    • Podcast
    Contact
    • Martini Mortgage Group
      507 N Blount St
      Raleigh, NC 27604
    • Find us on Google

    • Phone: (919) 238-4934
    • NMLS# 143962
    Martini Mortgage Group at Gold Star Mortgage Financial Group

    Copyright © Martini Mortgage Group | All Rights Reserved.
    Terms of Use | Privacy Policy

    FacebookTwitterLinkedinYoutubeInstagram
    Equal Housing Lender

    Martini Mortgage Group at Gold Star Mortgage Financial Group, Corporation | NMLS # 3446 | For licensing information go to: www.nmlsConsumerAccess.org and/or www.GoldStarFinancial.com Please review our Disclosures & Licensing information | Gold Star Mortgage Financial Group Corporation has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Equal Housing Lender. For further information about Gold Star Mortgage Financial Group, Corporation, please visit our website at www.GoldStarFinancial.com. Receipt of application does not represent an approval for financing or interest rate guarantee. Applicant subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Gold Star Mortgage Financial Group, Corporation for more information and up-to-date rates.

      Contact Form


      to Terms of Use | Privacy Policy | TCPA Consent * By submitting you agree to our Privacy Policy, Online Policy, TCPA Disclosure & Consent for SMS/Texting. Msg/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. By checking this box, you expressly consent that Martini Mortgage Group may call, text and email you about your inquiry. This may involve the use of automated means and prerecorded/artificial voices. This consent is not a condition to purchase any products or services. You are providing express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by Martini Mortgage Group. You may revoke this consent at any time by replying 'STOP' to any text message you receive or by contacting us at +1(919) 238-4934.

      Copyright © 2025 · Martini Mortgage Group on Genesis Framework · WordPress · Log in