Helping Parents Buy a Home in Raleigh: What You Need to Know

Are you exploring options for helping parents buy a home in Raleigh? If you’re exploring options for helping parents buy a home, especially if they’re aging, on a fixed income, or unable to qualify independently, there’s a strategic solution that could make homeownership possible, without adding financial stress to your plate.

At Martini Mortgage Group, Certified Mortgage Advisor Kevin Martini and Raleigh Mortgage Broker Logan Martini specialize in helping Raleigh families find smart mortgage solutions that support loved ones, build long-term equity, and protect your bottom line.

What Are Your Options for Helping Parents Buy a Home?

One of the most powerful and underutilized strategies is the Family Opportunity Mortgage. It allows you to buy a home for a parent (or permanently disabled adult child) without being penalized with second-home or investment property pricing.

Even though you won’t live in the home, this loan is treated as if you’re purchasing a primary residence. That means:

• Lower mortgage rates
• Smaller down payments
• Flexible loan terms

Let’s break down how it works—and whether your situation qualifies.

What Is the Family Opportunity Mortgage?

The Family Opportunity Mortgage, available through Martini Mortgage Group, is a powerful solution for families interested in helping parents buy a home or providing housing for a permanently disabled adult child.

This unique loan program lets you purchase a home for:

• A parent on a fixed income (like Social Security or disability) who can’t qualify on their own
• A disabled adult child who is unable to meet standard mortgage guidelines

The program recognizes that family helping family isn’t a financial transaction—it’s a responsibility. That’s why it’s designed to offer the same benefits as a primary residence loan, even if you won’t live in the home yourself.

That means:

• Lower interest rates
• Smaller down payments
• More flexible approval terms

It’s one of the most strategic—and compassionate—ways of helping parents buy a home in Raleigh without the cost or complexity of traditional second-home or investment property loans.

Who Qualifies? Who It’s For?

This loan is available if:

• You can document your family member’s financial need
• You’re buying the home for a parent who can’t qualify for a mortgage
• Or for a disabled adult child with a permanent disability
• Your loved one will live in the home full-time
• You already own and occupy your own primary residence

Why Families in Raleigh Choose This Mortgage Strategy

In Raleigh, multigenerational living and family-based housing solutions are growing in popularity, but traditional lending hasn’t always made it easy. The Family Opportunity Mortgage changes that.

Here’s why it works so well for local families:

• It offers owner-occupied pricing, even if you won’t live in the home
• You can buy anywhere in the Triangle—no minimum distance requirement
• You get smaller down payments than investment property loans
• It helps keep housing in the family, creating long-term security and equity

Whether you’re planning for a parent downsizing, relocating, or just looking to provide safer housing, helping parents buy a home in Raleigh has never been more accessible—or more affordable.

Who This Program Isn’t For

It’s important to understand the guardrails:

• This is not for adult children who can qualify on their own
• It cannot be used to buy housing for college students
• Your family member must be unable to qualify for a mortgage independently
• You cannot rent out the home or use it as an investment property

How Martini Mortgage Group Helps You

• Expert Guidance – Certified Mortgage Advisors Kevin Martini and Raleigh mortgage broker Logan Martini know Fannie’s Family Opportunity rules inside and out.
• Local Raleigh insight – As a leading Raleigh mortgage lender, they’ve helped countless families take advantage of this program.
• Strategic planning – They’ll help you document qualification eligibility, assemble supporting income/disability proof, and lock in the best rates.
• Step-by-step support – From pre‑approval to closing, they handle the complex stuff so you can focus on supporting your loved one, instead of the paperwork.

Family Opportunity Mortgage FAQs

What is a Family Opportunity Mortgage?

The Family Opportunity Mortgage allows a family member to buy a home for a parent or disabled adult child using owner-occupier rates, without requiring the buyer to move in.

Who qualifies for a Family Opportunity Mortgage?

Parents on fixed incomes or disabled adult children who can’t qualify on their own, provided they have proper documentation.

Can I buy a house for a parent using this program?

Yes, if they can’t afford it on their own and their income/disability is documented.

Can I use it to help a disabled adult child?

Yes, with proof that they cannot afford housing due to permanent disability.

Do I have to live in the home I’m buying?

No, you don’t need to occupy the home—just your primary residence elsewhere must be owner-occupied.

Is the mortgage rate and down payment lower than an investment loan?

Yes, owner-occupied terms apply, making it more affordable than an investment property loan.

Is there a distance requirement?

No, there are no minimum distance rules; you can buy nearby or out of state, but usually locally.

Why choose Martini Mortgage Group?

Kevin and Logan Martini specialize in Family Opportunity Mortgages and Raleigh home loans, guiding you strategically through qualification and closing.