When Mom & Dad Are the Bank, We’re Your Mortgage Guide

"The Bank of Mom & Dad Is Open—I can Help You Make the Withdrawal"

The Bank of Mom & Dad

Whether it's a gifted down payment, a co-signed mortgage, or just moral support, we guide you and your parents through the process—clearly and confidently. From pre-approval to closing, we make things smooth, stress-free, and family-friendly.

Tell Me Your Story: What's your objective? What's your Dream home like? Where Do You Want to Buy? Are you planning on Living There Long Term?

Loop In Mom & Dad: We’ll walk your parents through their part—gifts, Early Inheritance—so they understand their role and feel confident every step of the way.

Apply With Confidence: We guide you through the full process — paperwork, approvals, lender communication — so nothing gets missed and everyone feels comfortable.

Frequently Asked Questions

Can my parents give me money for a down payment?

Yes. Your parents can gift you all or part of your down payment, as long as it’s a true gift — meaning it’s not expected to be paid back. Most lenders will require a signed gift letter confirming that it’s not a loan.

Do my parents have to be on the mortgage if they help me?

Not necessarily. If they’re just gifting money, they don’t need to be on the mortgage. But if you need their income to qualify, they may need to co-sign or be co-borrowers, which means their name will be on the mortgage and title.

Will the gift impact my mortgage approval?

Lenders need to verify the source of your down payment. A gifted amount is acceptable as long as it’s well-documented, and sometimes they’ll ask to see the transfer in your bank account at least 15 days before closing.

What’s the minimum down payment?

*For homes under $500,000, you need 5% of the purchase price.

*For homes between $500,000–$999,999, it’s 5% on the first $500K and 10% on the rest.

*For $1M and up, you’ll need 20%.

Whether it’s your money or a gift, it must meet those minimums.

Testimonials

Buying my first home was a huge milestone, made even more meaningful with my parents’ support. From day one, the team made us feel confident, cared for, and completely supported throughout the entire process.

— Mark T.

With my parents' support, I bought my first home—something I never thought possible. The team made the process feel easy and reassuring. Best of all, my mortgage is less than rent, and I’m finally saving.