A Wonder Rates loan officer can walk through your specific family situation, including who should be on the application, how gift funds work, and what loan programs fit a multigenerational purchase. **Duc Pham, Mortgage Broker | NMLS# 844897** Wonder Rates, Inc. | NMLS# 1518655 Equal Housing Lender. This content is for informational purposes only and is not a commitment to lend. Loan approval is subject to creditworthiness, property eligibility, and current underwriting guidelines. Title structure and estate planning implications vary by state and individual circumstances. Please consult a qualified attorney for advice specific to your situation. Programs and requirements may change without notice.