Home equity isn’t just value on paper—it can be a powerful tool to support your family’s next chapter. Whether you’re helping children buy their first home or assisting with a loan down payment, equity provides flexibility. Corken + Company guides families through each step so decisions are strategic, tax-aware, and aligned with long-term goals.
How Equity Can Become a Gift
Homeowners build equity as mortgage balances decrease and prices rise. That equity can be tapped in several ways:
• Home equity loans or lines of credit (HELOCs) — let you access funds while keeping your original mortgage intact
• Cash-out refinance — rolls equity into a new loan, possibly with better terms
• Gifting portions of equity — with careful documentation, equity can be transferred tax-efficiently
Benefits for Children
• Lower down payment burden — helps them qualify sooner
• Reduced loan amounts — may improve rates and terms for their mortgage
• Early path to ownership — supports financial foundation and independence
Important Considerations
Careful structuring is essential
We coordinate with lenders and estate planners to ensure gift rules and tax limits are followed—so equity gifts don’t trigger unintended consequences.
Loan terms matter
Whether tapping equity with a HELOC or refinance, rates and fees vary. Our team helps families compare options and choose the best long-term scenario.
Impact on your finances
We review your goals and cash flow to protect your future flexibility and comfort as well.
How Corken + Company Supports Families
Equity strategy sessions
We begin with a consultation to assess your equity, timing, and goals. We help identify when and how to structure a gift effectively.
Lender and legal coordination
We connect you to trusted mortgage advisors and estate specialists who guide debt use, gifting rules, and mortgage qualifications.
Multigenerational home guidance
For parents and children buying together or separately, we advise on ownership structures that work for both your timelines and needs.
Home search alignment
If the gift enables a home purchase, we help your children find homes that match their mortgage capabilities, funding structure, and lifestyle needs.
Real Impact
Families we’ve supported have helped children buy with confidence and security—whether that meant moving out sooner, saving on mortgage costs, or simply starting their journey earlier.
If you’re considering using equity to support a child’s home purchase, let’s talk about your goals, how much equity to use, and the best timing for everyone’s financial path.
Reach out at www.corken.co or call 303‑858‑8003
Corken + Company | Real Estate Solutions Without Limits
