Why Parents Are Helping Their Kids Buy Homes Now | Complete Guide to Gifted Funds

Welcome to 2026 and another Mortgage Matters in Minutes! In this episode, Brent Rasmussen explains how a down payment gift can significantly help first time home buyers. We discuss essential home lending and mortgage solutions, offering crucial home buying advice to make your home purchase a reality sooner. We also touch on gift tax rules to ensure you're fully informed. Affordability continues to be one of the biggest challenges for homebuyers in 2026—especially first-time buyers and single-income households. In this episode of Mortgage Matters in Minutes, Brent explains how families are increasingly helping children and relatives buy homes through gifts, gifted equity, and family-to-family home sales. 🏡 In This Video, You’ll Learn: Why buying a home from a parent or family member is becoming more common How gifted funds vs. gifted equity work in a mortgage transaction What documentation is required to properly paper a gift How selling a home within the family can help a first-time buyer qualify Why affordability today is about more than just interest rates How early homeownership helps families build long-term wealth and equity Whether you’re a parent looking to help your child buy their first home or a buyer wondering how family support can improve affordability, this video breaks down real strategies we’re seeing every day in the Omaha market. 🔗 Helpful Resources ☑️ Apply for a mortgage: https://mtg-specialists.com/online-application/ ☑️ Schedule a call: https://calendly.com/mortgage-specialists-omaha ☑️ Call: 402-991-5153 ☑️ Blog: https://mtg-specialists.com/blog/ ☑️ Reviews: https://tinyurl.com/55zft5ef 📱 Follow Mortgage Specialists 📘 Facebook: facebook.com/mortgagespecialists 📸 Instagram: instagram.com/mortgagespecialistsomaha 🐦 Twitter/X: twitter.com/MTGSpecialists Timestamps for MMM 195: How Parents Can Gift a Down Payment to Help First Time Home Buyers Buy a Home 0:00 - Intro 1:35 - Gaining Home Equity 2:30 - Difficulties for First Time Homebuyers 3:27 - Gifts to Family Members 5:59 - Conclusion 6:19 - Outro Licensing info: Brent Rasmussen, NMLS 5918 at Mortgage Specialists, LLC NMLS 2424 For licensing, go to www.nmlsconsumeraccess.org Address: 8420 W Dodge Road #113, Omaha, NE 68114 Equal Housing Lender Website: mtg-specialists.com Applicant subject to credit and underwriting approval. Restrictions may apply, contact Mortgage Specialists, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Mortgage Specialists, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Mortgage Specialists, LLC. Mortgage Specialists, LLC and its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Mortgage Specialists, LLC is a limited liability company organized under the laws of the State of Nebraska. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Mortgage Matters in Minutes Episode 195: How Parents Can Gift a Down Payment to Help First Time Home Buyers Buy a Home