The extremely low mortgage rates that are advertised on TV, radio, and the internet are typically reserved for people looking to buy a home that they plan to occupy as their main residence. A 2nd home or a vacation home generally is not afforded the same low rates.

This can create quite an issue when a person wishes to buy a home for their disabled adult child that is living with a disability.

For this reason, Fannie Mae has a set of guidelines, which is often referred to as a family opportunity, to help people in these situations.