Please select one of the following three paths.

I want to help a family member:

Purchase a Home

Real estate loans and financial gifts with relatives can be a win-win for both sides, but should always be documented. National Family Mortgage ® helps minimize the legal, tax, and personal consequences that can occur when family real estate loans and financial gifts are handled informally — or not documented at all.

National Family Mortgage ® helps families setup their own mortgage with their own relatives. We help Lenders make loans they feel good about, that prevent tax problems, that protect relationships, and get repaid. We help Borrowers fund their home ownership dreams and stay on track with their mortgage payments.

Lenders generate a solid investment return at stronger rates than they would earn in a bond, money market, or a savings account, knowing their money is secured by a registered mortgage lien. Borrowers get a lower interest rate and lower fees than they would with an institutional mortgage loan.

Some families use National Family Mortgage ® to simply prevent IRS scrutiny of federal gift tax returns. Other families use National Family Mortgage ® to protect family wealth in the event of a Borrower’s death or divorce.

A National Family Mortgage ® can provide the legal structure and tax benefits of a bank mortgage with an unmatched flexibility that fosters a win-win transaction for the entire family!

If you’re interested in selling your home to a relative, please follow the “Purchase my Home” path below.

Purchase My Home

Seller Financing works best for Sellers who own their property outright, or can pay off their existing mortgage balance either with a down payment from the Buyer, or some other source.

Seller Financing opens up a range of creative financing possibilities that can benefit both the Seller and the Buyer. Relatives can use Seller Financing to pass ownership in a property from one family member to another — often with low interest rates and payment schedules favorable to the Buyer. At the same time, proper Seller Financing can help the Seller spread out Capital Gains Tax and prevent IRS Gift Tax.

Reverse Mortgage


Our Caregiver Mortgage ® is a family-funded, reverse mortgage like, line of credit that offers homeowners many of the features and benefits of institutional reverse mortgage products, but without the high costs and restrictions.

Borrowers generate a tax-free cash revenue stream funded by their own family, live more comfortably, and enjoy their retirement, knowing that their own family — and not an institution — is building equity in their home. Lenders empower their loved one with a smart solution that provides predictable financial support, complete flexibility, and will be repaid.

Our award winning, patented Caregiver Mortgage ® manager is designed to facilitate participation, open communication, and maintain harmony, between siblings and extended family members.