Insights, guides, and updates to help you navigate loans and agreements.
Rates dropped since you set up your family loan? Here is when you can legally refinance it to a lower rate, and the AFR gift tax trap to avoid.
A family loan to pay off a mortgage can save six figures in interest, but only a recorded lien keeps your deduction. The real math and the risks.
A family loan to pay off student loans can beat federal rates, but it costs the $2,500 tax deduction and sometimes PSLF eligibility.
A family loan prenup keeps money from parents separate in a divorce, but only if the loan paperwork comes first. Here is how to structure both.
Reverse mortgage vs. family loan for an aging parent: real 2026 HECM fees, IRS AFR rates, and a decision framework before you tap the home equity.
How to buy out siblings on an inherited house without a high-rate estate loan: appraisal steps, AFR-priced notes, and the 2026 gift tax limit to watch.
A family loan can be challenged as elder financial abuse or undue influence. Here's the documentation test that proves it was a real loan.
Lending money to a boyfriend or girlfriend? Without a signed loan agreement, most courts presume it was a gift. Here is how to protect the money.
Unpaid rent or bills you cover keep adding to what a family member owes you? Here is how to track a growing debt as a line of credit both of you can see.
A family loan for adoption expenses can preserve your 2026 $17,670 adoption tax credit, but only if you structure who pays the agency correctly.
IVF often costs $20,000 to $30,000 a cycle. Here is how to structure a family loan for fertility treatment, keep the deduction, and protect the relationship.
Family loan or gift for a down payment? See what Fannie Mae and FHA actually require, the DTI risk, and why a fake gift letter is mortgage fraud.