How to Rock a Family Opportunity Loan

Mortgage and Lending with US Bank NMLS: 22343

How to Rock a Family Opportunity Loan



Looking to purchase or refinance a home for your elderly parents who wouldn't otherwise be able to obtain a mortgage on their own?


Looking to assist a disabled or special needs adult child with housing or his/her own?


Or how about putting a college-bound child into off-campus housing that you decide to purchase?


All of these are both common scenarios and often difficult ones as viewed by the inflexible guidelines in the mortgage industry.  Until now...


The Family Opportunity Mortgage can be a great way to thread the needle of otherwise detrimental occupancy requirements for primary homes, second or vacation homes and investment/rental homes.  And if used in the right situation, the Family Opportunity loan will often permit you to obtain lower rates and lower down payment requirements.


So, let's get so low in the weeds like sisters Anne and Nancy Wilson of Heart and ambush this beneficial mortgage program today! 




Grateful to know about the Family Opportunity loan?  Give me a like or subscribe on YouTube!



Ooh, barracuda!



Rob Spinosa
SVP of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959


Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960

Berkeley Office:  1400 Shattuck Ave., Suite 1, Berkeley, CA  94709

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

Comments (4)

John Pusa
Glendale, CA

Hello Rob Spinosa very valuable report about family opportunity loan.

May 05, 2022 01:48 PM
Rob Spinosa

Thank you, John!

May 05, 2022 02:10 PM
Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em:

 Thank you for sharing the information. Buyers and sellers in your area will benefit from your expertise. Wishing you continued success.  Have a wonderful day and sell a house.  bill

May 05, 2022 02:26 PM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Rob this is a great way of looking at loans - Family Opportunity! 

May 05, 2022 03:02 PM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great information.   Thanks for sharing and enjoy your day!

Oct 25, 2022 07:45 AM