It allows a homeowner to refinance her mortgage with a low-interest, fixed-rate loan, even if she owes more than her home is worth.

FORBES: Refinance Your Mortgage (Even If You Have No Equity)

These burdens are occurring amid tepid loan growth and in a low interest rate environment that contributes to net interest margin contraction.

FORBES: Moody's Outlook On Banks? Still Negative, Here's Why

"The borrower gets a low interest rate, commensurate with the interest of a conforming loan, and the bank mitigates its risk to some degree, " said Laurie Stewart, the bank's president and CEO.

WSJ: Fixed-Rate Jumbo Mortgages Make a Comeback

Currently, a parent can sell shares of the family-owned business to the child for a fixed long term interest rate as low as 2.52%, and not incur a gift tax because of the loan rate.

FORBES: Want to Avoid the Estate Tax Cliff? Five Ways to Help

The interest rate of the loan is generally a low rate of prime plus one percent.

FORBES: The Two Biggest Traps Behind 401(k) Loans and How to Avoid Them

So taking out a loan against the property at a relatively low interest rate is an option.

FORBES: Parents' Tough Choices For Repaying Student Loans