The Ultimate Family Playbook: Turning Your Home Equity into Their First Home

The Mortgage Architect: Strategic Wealth Transfers and the Equity Advantage

As a Certified Mortgage Loan Advisor, I specialize in the "how" behind the wealth transfer. You’ve worked hard to shrink your mortgage balance while your home value grew. Now, let’s use that combination to help your family clear the biggest hurdle in their way.

The Strategic Reality: That’s where you may be able to make more of a difference than you realize. You can’t control rates or prices, but you can use your equity to help with the upfront expense. And giving money to your loved one so they buy a home doesn’t mean putting your own future at risk.

With an estimated $68 to $84 trillion of wealth expected to transfer from older generations to younger ones over the next two decades, many families are already thinking differently about when and how that wealth will be passed down. Maybe it makes sense for your family to think about it, too. Even a small portion of your equity can put them in a position to finally get the keys—and if you’re strategic about it, you’d still have a lot leftover for when you retire.

How We Position Your Family for Success:

• Creative Financing Options: FHA allows for 100% of a down payment to be a gift from a family member. We can also help with 100% financing or a family loan by placing a 2nd mortgage on the home, with a family gift often being the best overall option.
• The Buyer Ready Service: My Buyer Ready Service goes beyond a standard pre-qualification. We fully prepare the loan file upfront, positioning the home loan for success and making your loved one's offer as strong as a cash buyer.
• Expert Negotiations: Learn how you can obtain future interest rates today through our Buyer Ready Service and expert negotiation strategies.

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Karen Jones Certified Mortgage Loan Advisor | NMLS #307015 (AZ)

 Specializing in: Strategic Home Equity Transfers, First-Time Buyer Programs, and Custom Wealth-Building Mortgage Strategies. Offering the Buyer Ready Service – Positioning offers with the strength of cash.

📍 Serving Arizona Homebuyers with a focus on Phoenix Metro communities. 🔗 Download my Digital Business Card ⭐ Hear from Zillow Past Clients  

“Transforming home financing into a long-term wealth strategy.”

Altitude Home Loans. NMLS 1955555. AZ BK 1007669. Corporate Address: 4031 E Sunrise Drive, Tucson, AZ 85718 www.altitudehomeloans.com. The views, articles, postings and other information listed on this website are personal and do not necessarily represent the opinion or the position of Altitude Home Loans.