Buy a home for an elderly parent, or an adult child with a disability, at the same mortgage rate and down payment

as if you were going to live in the home.


Program Advantages:

  • Lower Down Payment than Second Home or Investment Property Loans

  • Standard Owner-Occupied Mortgage Rates

  • Borrower does not have to Live in the Property

  • No Distance Requirements from Borrrower's Primary Residence


Eligibility Requirements:

  • 620+ Credit Score

  • Debt-to-Income (DT1)* approved by automated underwriting system

  • Steady Employment

  • Enough income to support your current housing costs plus additional expenses of owning another home.


Certain restrictions apply on all programs. See your First Liberty Bank Loan Officer for complete program guidelines, loan application, applicable fees and annual percentage rates (APR’s) for all loan programs. Full underwritten approval is required and all loan approvals are subject to credit, income and asset review and approval.

*Debt-to-income (DTI) ratio is monthly debt/expenses divided by gross monthly income.

A loan program to help purchase a home for a family member, such as an elderly parent or adult child with a disability, at the rate and downpayment as if purchasing for yourself.