Become a Lender.
Invest in your own family.
Live happily ever after.

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.

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.

THE CAREGIVER MORTGAGE ® HAS BEEN TEMPORARILY PAUSED.