Wake County | Mortgage Lenders in Raleigh NC

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.

The Martini Mortgage Group Ultimate Home Buying and Mortgage Guide: Martini Buyer Guide | Summer 2023 Edition

June 11, 2023 by Kevin Martini

The Martini Buyer Guide, created by Kevin Martini and Logan Martini, is an invaluable resource for individuals and families purchasing a home. Regardless of whether you are a first-time homebuyer or have previous experience in the real estate market, crucial factors demand consideration before making such a significant investment. The Martini Buyer Guide has been curated to provide accurate and up-to-date information about the dynamic realms of real estate and mortgages.

Within the pages of the Summer 2023 edition of the Martini Buyer Guide, you will discover a wealth of informative articles that cover various aspects of the homebuying process and the intricacies of obtaining a mortgage. These articles have been thoughtfully designed to offer readers a simplified understanding of the current state of the real estate market, equipping them with valuable insights into the mortgage process and market dynamics. With the knowledge acquired from this comprehensive homebuying guide, readers can confidently navigate the complexities and make well-informed decisions when purchasing their dream home.

Whether you are venturing into the market for the first time or are a seasoned homebuyer seeking the latest industry insights, the Martini Buyer Guide is an indispensable tool to steer you through the winding terrain of real estate and mortgage markets.

The Summer 2023 Martini Buyer Guide was curated to simply explain what is going on in the real estate and mortgage markets
Senior Mortgage Strategist and Raleigh Mortgage Broker Logan Martini

martini buyer guide summer 2023 best raleigh mortgage broker

The Martini Mortgage Group’s Guide to Buying a Home and Getting a Mortgage

Below at things to consider when buying a home and a glimpse of some of the articles found in the pages of the Summer 2023 homebuyer guide:

WHAT IS HAPPENING IN THE HOUSING MARKET
THE 3 FACTORS AFFECTING HOME AFFORDABILITY TODAY
JUMPSTART YOUR HOMEOWNERSHIP JOURNEY WITH DOWN PAYMENT ASSISTANCE
WHAT PAST RECESSIONS TELL US ABOUT THE HOUSING MARKET
WHAT PAST RECESSIONS TELL US ABOUT MORTGAGE RATES
THINGS TO AVOID AFTER APPLYING FOR A MORTGAGE
UNDERSTANDING THE “MARRY THE HOUSE, DATE THE RATE” STRATEGY
MEDIAN HOME PRICE IN THE U.S BY DECADE
WHY TODAY’S HOUSING MARKET IS NOT ABOUT TO CRASH
OUTSMART SAVVY AND UNETHICAL MARKETERS

What is Happening in the Housing Market

The recent shifts in the housing market likely have you questioning their implications on buying a home this summer. To help you, the Martini Mortgage Group has identified the top three factors you should consider closely. See the full article that starts on page 4.

The 3 Factors Affecting Home Affordability

The dramatic increase in mortgage rates last year led many buyers to put their plans on hold. However, affordability is impacted by more than just mortgage rates. To understand affordability, you must look at three factors: Mortgage Rates, Home Prices, and Wages. For more information, check out the full article starting on page 10.

Jumpstart your Homeownership Journey with Down Payment Assistance in North Carolina offered by the Martini Mortgage Group

Are you a first-time homebuyer or planning an upgrade? Are you struggling to pull together that hefty down payment?

Say goodbye to your worries because the Martini Mortgage Group is here to help!

Together with the North Carolina Housing Finance Agency (NCHFA), the Martini Mortgage Group offers many mortgage products and down payment aid programs. We’re determined to make your dream of owning a home in whatever county you are in North Carolina not just affordable but downright achievable. Check out the article that starts on page 13 of the Martini Buyer Guide or check out this blog article: Jumpstart Your Homeownership Journey with Down Payment Assistance in North Carolina offered by the Martini Mortgage Group

First-Time Home Buyer Tax Credit in North Carolina

Suppose you’re a first-time homebuyer in North Carolina. In that case, you may be eligible to save up to $2,000 a year with the Mortgage Credit Certificate (MCC) offered by the Martini Mortgage Group in partnership with North Carolina Housing and Finance Agency (NCHFA). This tax credit is not just for the first year; it’s up to $2,000 yearly as long as the home remains your primary residence.

Let’s Connect

It is understandable if you are filled with questions and concerns about securing the most cost-effective mortgage and navigating the real estate maze. We’re eager to converse with you about the insights you’ve gathered from the Summer 2023 Edition of the Martini Buyer Guide and aid you on your journey to acquire your new home. Contact us at (919) 238-4934 – we eagerly await the opportunity to assist you.

Logan Martini

Kevin Martini

Jumpstart Your Homeownership Journey with Down Payment Assistance in North Carolina offered by the Martini Mortgage Group

June 3, 2023 by Kevin Martini

Are you a first-time homebuyer or planning an upgrade? Are you struggling to pull together that hefty down payment? Say goodbye to your worries because the Martini Mortgage Group is here to help!

Martini Mortgage Group Products – Tailored Just for You!

We’re proud to offer an array of mortgage products designed to fit your unique needs snugly:

Conventional Mortgages: Got a good credit score? Here’s a deal for you – just a 3% down payment to secure your dream home.

FHA Loans: Your dream home is within reach even with a lower credit score. With a down payment of 3.5%, step into your new home easily.

VA Loans: To our brave veterans and their spouses – no down payment required. Your service to our nation makes you more than eligible!

USDA Loans: Living in a rural area? We’ve got you covered with our no-down payment required USDA loans.

Down Payment Aid – Your Homeownership Dream Booster!

Please don’t let a hefty down payment dampen your spirits! We offer you a range of programs to support your dream:

NC Home Advantage Mortgage: Offering up to 3% of the loan as down payment assistance to first-time and upgrade buyers.

NC 1st Home Advantage Down Payment: An incredible $15,000 down payment aid for eligible first-time buyers and military veterans.

NC Home Advantage Tax Credit: Save up to $2,000 in federal taxes annually. Before a home purchase, an approved Mortgage Credit Certificate (MCC) can seal this deal for you!

What is your Next Step? Contact Us!

Ready to turn your homeownership dream into reality? It’s time to contact the Martini Mortgage Group! Not only will we answer all your queries, but we’ll also guide you seamlessly through your home-buying journey. Here’s why you should choose us:

Experience: We’re seasoned mortgage professionals well-versed in the NCHFA programs.

Tailored Help: We’ll help you pick the best mortgage product and down payment assistance program to suit your needs.

Unwavering Support: We’re with you from step one to the last, ensuring a hassle-free homebuying experience.

So, why wait? Reach out to us today and let us propel you towards your dream of homeownership. Let’s make your dream home a reality together!