Find the approach that
fits your family.

Family helps make a home purchase possible.

With a National Family Mortgage ®, relatives lend and borrow directly—without a bank middleman—while reducing the legal, tax, and relationship risks that often arise when large gifts are made or loans are handled informally. Borrowers may benefit from favorable rates, family Lenders can earn competitive returns, and wealth stays working within the family.

In some cases, families combine a commercial first mortgage with a subordinate intra-family second mortgage for added flexibility.

A home is transferred  within the family.

Ownership transfers now, while payments are made over time to the Seller. The loan is secured by the property, allowing the transaction to move forward without traditional bank financing.

Families often choose this approach to facilitate a smooth transfer of ownership, establish clear expectations, and preserve fairness between Buyer and Seller.

Replace a bank or private lender with family capital.

A homeowner pays off an existing commercial or private mortgage and replaces it with a loan held by a family member.

Families use this path to simplify financing, reduce costs, or realign long-term plans—while maintaining accountability and protecting family wealth.

Use family capital secured by existing home equity.

A homeowner borrows a lump sum from a family member, secured by the property. These loans are often structured behind an existing first mortgage and are commonly used for renovations or other major property-related expenses.

Clear documentation ensures everyone understands the terms and protects the family relationships.