Buying a family member’s home below market value using gifted equity.
A buyer purchasing a family home below market value while carrying personal debt. We reframed the transaction as a gifted equity mortgage, used the equity to pay off the outstanding debt, and kept the family transfer clean.
Restructuring a mortgage during divorce settlement.
A client going through a divorce was told they needed a twenty percent down payment to buy out their former partner. We requalified them under an insured mortgage program designed specifically for separation and divorce. They kept the family home, settled the debt, and kept their kids in their school.