26%
of first-time buyers got family help with their down payment last year.
A mortgage company for buyers with family help
See how far family help could take you toward a home.
You're not buying alone. That's an advantage. We help you turn family support into the most home you can comfortably afford.
See what you could afford
Two minutes. No credit check. No commitment.
Why this matters
$70T
in wealth is set to pass to the next generation over the coming decades.
There's a reason family help became normal. Most of the wealth is a generation up, which is part of why the typical first-time buyer is now closer to 40 than 30. It's how a new generation is becoming homeowners.
The idea
There's more than one way for a family to help. Most people only know the first.
Family money usually arrives the same way it always has: a gift, a gift letter, a signature. That works. But it's rarely the only option, and often not the best one.
A one-time gift
Family gives money toward the down payment. It's yours, no strings, nothing to pay back. Simple, and for many families the right call.
A structured contribution
Family gives money toward the down payment, and shares in the home's value over time. The same dollars buy the same home. What changes is that families often give more when they share in what they're building, not just hand it over.
A combination
Most families land somewhere in between. The right mix depends on the family, and on a conversation worth having with care.
No one had built the mortgage company that helps families think this through. So we did.
How it works
Three steps, in the order they happen.
01
See what you could afford
Answer a few questions and get an early picture of your range across different family scenarios. No credit check, no account needed yet.
02
Explore your options
Open your planning chat to model scenarios at your own pace, and get help thinking through the conversation with your family. No pressure, no calls.
03
Move forward when you're ready
When you want real numbers, a loan officer takes it from here, already familiar with everything you've explored.
01
02
03
See what you could afford
Answer a few questions and get an early picture of your range across different family scenarios. No credit check, no account needed yet.
Explore your options
Open your planning chat to model scenarios at your own pace, and get help thinking through the conversation with your family. No pressure, no calls.
Move forward when you're ready
When you want real numbers, a loan officer takes it from here, already familiar with everything you've explored.
Questions families ask
The four questions that come up first.
Do my parents own part of the home?
It's your home. You live there, and you decide if and when to sell or refinance. Your parents don't get a say in any of that. With a structured contribution they're listed as owners alongside you, but their stake is a share of the home's value over time, not control over it.
Is this a normal mortgage?
Yes. It's a normal mortgage, with you as the borrower, underwritten the standard way. Family support comes in as a gift, which mortgages already allow. If your family also wants to share in the home's value, that's a separate agreement between you and them, and it doesn't touch the loan.
What if my parents want their money back?
Your parents can't force you to sell. But if they need their money back, you have options, usually selling or refinancing when the time is right for you. The terms are set in your agreement up front, so nothing depends on a handshake.
What happens when I sell?
You sell like any homeowner. With a structured contribution, your family gets their share and you get yours, divided the way you agreed up front.
See what your range looks like.
A short intake. An early picture. Then a conversation, if you want one.
See what you could afford
Two minutes. No credit check. No commitment.