A home of their own. A plan you can build together.
Explore a conventional mortgage option for parents or legal guardians buying a home for an adult child with a disability. Eligible arrangements may receive primary-residence terms even when the borrower lives elsewhere.
Request a TextStart with a conversation. No medical information is needed in this form.
Let's talk through the options
Tell us where you are looking and how to reach you.
- Explore a separate home for an adult child.
- Understand the financing responsibilities.
- Plan around the household's needs and preferences.
Start with the home and the person who will live there
Location, accessibility, everyday routines, and nearby support can all shape the housing decision. Stonehaven can help explain the mortgage side while the family and its advisers consider the broader plan.
How this financing works
Describe the housing goal
Share the purchase state, timing, and how to contact you. Keep medical and benefits information out of the inquiry form.
Understand the financing route
Stonehaven explains the family-occupancy approach and what a lender would need to review through the appropriate application process.
Coordinate the next steps
Review affordability and ownership alongside any care, benefits, or estate-planning advice the family needs.
Who this option may fit
Under Fannie Mae's provision, a parent or legal guardian may receive owner-occupant treatment when purchasing housing for an adult child with a disability who cannot work or lacks enough income to qualify independently. The applicable lender must confirm eligibility and documentation. Disability alone does not guarantee approval.
This financing discussion concerns housing. It does not determine the support services or living arrangement that is appropriate for an individual. Read the occupancy guidance (opens the Fannie Mae Selling Guide)Include the whole plan
- Mortgage affordabilityConsider existing obligations, the new payment, taxes, insurance, maintenance, and any separately arranged support costs.
- OwnershipDiscuss title and longer-term arrangements with the appropriate legal adviser.
- BenefitsHousing support can affect means-tested benefits such as SSI. Review the proposed arrangement with a qualified benefits adviser before deciding on a structure.
Questions families ask
Does my adult child have to qualify for the mortgage?
This approach can allow the parent or legal guardian to be the qualifying borrower, subject to the lender's review.
Does my adult child need to be unable to work?
Fannie Mae describes two alternatives: inability to work, or insufficient income to qualify independently. The adult child must meet the disability-related provision, and the lender determines the documentation needed.
Do I have to live in the home?
An eligible arrangement can allow the borrower to live elsewhere while the adult child occupies the home as their primary residence.
Will this protect SSI or other benefits?
Mortgage eligibility does not establish benefits eligibility. Housing support and ownership arrangements may affect benefits and need a separate review.
Should I send medical records?
No. Do not send medical records, diagnoses, Social Security numbers, or benefits documents through this page.
What happens after I submit?
Stonehaven will contact you to discuss the housing goal and explain potential next steps. Submitting does not approve a loan or authorize a credit check.
A real person on the other end
Chris De Leeuw
Co-Founder, Stonehaven Lending
Questions about the family-occupancy approach go to a co-founder, not a call center. Request a text and receive personal follow-up from Stonehaven.
Explore the financing side of the housing plan
Start with a few contact details. We will follow up for a conversation about the options and next steps.
Request a TextA mortgage application and any credit authorization are separate steps that come later, only if you choose to proceed.