Yes — you can purchase a primary residence for a disabled child or elderly parent.

At North Star Mortgage Network Inc., this type of purchase may still qualify as owner-occupied, which can mean better interest rates and lower down payment requirements than an investment property.

Under Fannie Mae and Freddie Mac guidelines, a home can be treated as a primary residence when:

• The borrower purchases the property for a disabled adult child or an elderly parent
• The occupant cannot qualify for the mortgage on their own due to limited income, disability, or fixed income
• The borrower does not intend to occupy the property themselves

When structured correctly, this allows families to provide safe, long-term housing while still accessing more favorable financing terms.

Details matter, and proper documentation is critical.
You can review the full guidelines here:
https://www.nsmn.com/primary-residence-for-disabled-child-or-elderly-parent/

If you’re considering this scenario, we’re happy to review it upfront and confirm eligibility before you make an offer.