Insights, products, and technology to assist you grow your service.
- Seller/Servicer Guide

Learn how to work with us with our Guide Bulletins and Industry Letters.

- My Home by Freddie Mac®

& reg; Resources to help you lease, purchase, and own your home. -Do we own your mortgage?

Find out if Freddie Mac owns your loan utilizing our safe and secure lookup tool.
- Did we fund your house?

Use our lookup tool to see if Freddie Mac funded your apartment building.
- CreditSmart®

& reg; Financial and homeownership education resources everything about you.

- Dealing with Us
- Technology
- Learning
- News & Insights
- Search
- Seller/Servicer Guide

- Toggle

- Working with Us - Become a Seller/Servicer - Responsible Lending
- Resources for Responsible Lending
- Requirements
- Annual Certification and Change and Activity Reporting

- Improving Workflow
- Mortgage Products
- Resources & Learning

- Selling with Confidence
- Delivery, Options & Pricing
- Resources & Learning

- Servicing Excellence
- Servicing Products and Programs
- Resources

- Solutions
- Reaching Borrowers
- News & Insights

- eDisclosures and eClosings
- eMortgages
- Participants and Vendors
- Review/Approval Requirements
- eSign for Loss Mitigation
- eMortgage Client Trainings

- Fraud Prevention and Best Practices
- Exclusionary List

- Supporting Customers
- Education & Insights

- HFA Resource Center
- Housing Finance Agency Forms
- Contact Us

- Training

- Integrated SMAs

- System Status - Freddie Mac Gateway
- Condo Project Advisor
- Loan Collateral Advisor
- Loan Closing Advisor
- Loan Collateral Advisor
- Loan Coverage Advisor
- Loan Product Advisor
- Loan Quality Advisor
- Loan Selling Advisor
- Quality Assurance Advisor
- Attorney Data Reporting (ADR).
- BPODirect.
- Cash Manager.
- Default Fee Appeal System.
- Electronic Default Reporting (EDR).
- eBill.
- Loan Level Reporting.
- Payments Automated Intelligent and Dynamic (PAID).
- Post-Fund Data Correction Tool.
- Real Estate Valuation and Pricing.
- Resolve.
- Servicer Performance Profile.
- Servicing Data Corrections.
- Servicing Transfer Manager.
- Total MI Claims.
- Total MI Reconciliations

- Our Solutions.
- Start with Freddie Mac Gateway.
- Technology Releases.
- Technology Release Archive.
- Technology Learning.
- Freddie Mac Tools Request Form

- Start

- Software Partner Resource Center

- Origination APIs.
- Starting with APIs

- Get Started with ECO

- Uniform Appraisal Dataset.
- Uniform Closing Dataset.
- Uniform Collateral Data Portal.
- Uniform Loan Delivery Dataset

- 2001 Construction Conversion Modification Agreements.
- 2021 Updated Instruments.
- News & Updates

- Beginning.
- Origination & Underwriting.
- Selling & Delivery.
- Servicing.
- Loan Product Advisor Training.
- Income.
- Affordable Lending.
- Mortgage Products.
- Pricing & Contracting.
- Manage Loan Data.
- Loan Delivery.
- Funding & Settlement.
- General Servicing.
- Investor Accounting.
- Foreclosure Management.
- Loss Mitigation

- All Insights & Research.
- All News & Announcements.
- Mortgage Technology.
- Business.
- Market of the Future.
- Home Starts Here Podcast

- Process.
- Become a Seller/Servicer.
- Origination & Underwriting.
- Selling & Delivery.
- Servicing

- Programs.
- Affordable Lending.
- CreditSmart.
- DPA One.
- eMortgage.
- Foreclosure Prevention.
- Fraud Prevention

- Partners.
- Housing Counselors.
- Housing Finance Agencies

- Spacer Only.
- Real Estate Professionals.
- Secondary Market Advisors.
- Software Partners

- Featured Technology.
- System Status.
- Freddie Mac Gateway.
- Access Manager

- Spacer.
- TPO Direct Access Sign-up.
- TPO Sponsored Access Sign-up.
- Software Partners

- Spacer.
- API Solutions.
- ECO: Evaluate|Compare|Optimize

- Spacer.
- Uniform Mortgage Data Program (UMDP).
- Uniform Instruments

- Training Areas.
- Getting Started.
- Origination & Underwriting.
- Selling & Delivery.
- Servicing

- Origination & Underwriting.
- Loan Product Advisor Training.
- Income.
- Affordable Lending.
- Mortgage Products

- Selling & Delivery.
- Pricing & Contracting.
- Manage Loan Data.
- Loan Delivery.
- Funding & Settlement

- Servicing.
- General Servicing.
- Investor Accounting.
- Foreclosure Management.
- Loss Mitigation

- Browse.
- All Insights & Research.
- All News & Announcements

- Featured Topics.
- Mortgage Technology.
- Business.
- Market of the Future

- Media.
- Home Starts Here Podcast

- Origination & Underwriting.
- Improving Workflow.
- Mortgage Products.
- Resources & Learning

Improving Workflow.

Resources & Learning

1. Home.
2. Working With Us

Mortgage Products

The best mortgage option for every kind of customer.

Freddie Mac helps you put your customer's needs front and center with a selection of ingenious mortgage products that deal with virtually every loaning scenario.

Renovation Mortgages

With Renovation Mortgages, borrowers can get access to permanent funding choices they need to fix, restore, restore or refurbish their existing site-built homes. These kinds of products can assist debtors who want flexible funding options to integrate restoration mortgages with numerous other Freddie Mac products, consisting of low deposit mortgages.

Home Possible ®

The Freddie Mac Home Possible ® mortgage provides more options and credit versatilities than ever before to assist very low- to moderate-income borrowers achieve the dream of owning a home. In addition to its down payment requirement of as little as 3 percent, Home Possible offers more alternatives to properly increase homeownership for more customers- all with competitive pricing and the ease of a conventional mortgage.

Seller-owned Converted Mortgages

Seller-owned Converted Mortgage requirements supply a structured procedure for offering transformed ARMs, so that when market conditions alter or you aim to reorganize your balance sheet, the sale procedure is quick, easy and profitable. These kinds of mortgages indicate borrowers can transform to the security of a fixed-rate mortgage when interest rates rise - in one easy process.

HomeOne ®

Available to certified first-time property buyers for a low deposit of just 3%, HomeOne ® is a low deposit alternative that serves the requirements of numerous novice property buyers, along with no cash-out re-finance borrowers. This mortgage service allows you to help more newbie property buyers achieve the milestone of homeownership, despite their income levels or geographical location.

Super Conforming Mortgages

Freddie Mac's extremely adhering mortgages are mortgages originated using greater maximum loan limits that are allowed in designated high-cost locations. These higher loan limitations are planned to offer lending institutions with much-needed liquidity in the highest expense areas of the nation, while likewise lowering mortgage financing costs for customers found in these areas.

Construction Conversion Mortgages

Freddie Mac Construction Conversion Mortgages provide a range of competitive sale execution options for loans processed as purchase transactions. Plus, loan providers can offer us loans processed as no-cash out and cash-out refinances (site-built just).

Rural Housing Service Section 502 Leveraged Seconds

Help fulfill the requirements of low-income rural borrowers and increase homeownership chances in underserved markets through Rural Housing Service (RHS) Leveraged Seconds. The Department of Agriculture's Section 502 Single-Family Leveraged Seconds Loan program is created to satisfy the requirements of low-income rural customers who have the essential credit rating, however might not have the earnings or down payment needed for a standard mortgage.

Affordable Seconds ®

Affordable Seconds ® aid meet the needs of debtors needing versatile secondary funding options and sell budget friendly lending mortgage items supplemented by subsidized secondary financing. They must originate from a duly authorized authority or company of federal, state, local or municipal government, a not-for-profit neighborhood or spiritual company, the debtor's company, or local Federal Mortgage Banks under a cost effective housing program.

Veterans Affairs (VA) Mortgages

Reach more Veterans in high-cost housing markets, and provide these Department of Veterans Affairs (VA)- qualified debtors with more homeownership opportunities with VA Mortgages. Our VA mortgage offering offers all the existing advantages under the present Department of Veterans Affairs program, and permits an original primary balance (OPB) to $424,100 for the U.S. mainland, and $636,150 in Alaska, Guam, Hawaii and the U.S. Virgin Islands.

Refi Possible ®

Freddie Mac Refi Possible® & reg; mortgage provides lower-income debtors with the opportunity to minimize their monthly mortgage expenses, enhance their capability to conserve more and develop generational wealth through housing.

Investment Residential Or Commercial Property Mortgages

Investment residential or commercial property mortgages can expand mortgage organization alternatives and produce chances to integrate with other monetary items. These Freddie Mac mortgage options can assist lending institutions originate 1- to 4-unit investment residential or commercial property mortgages to improve origination strategies and tailor mortgages to debtor's private needs and financial methods.

Condominium Unit Mortgages

If you're searching for solutions and options for mortgages you stem that are secured by condo units, we have a review procedure that lets you quickly determine job status with extensive criteria. Project eligibility requirements consist of items such as financial viability, the domestic nature of the job, and the ownership structure.

Mortgages with Temporary Subsidy Buydown Plans

Temporary subsidy buydown strategies are a great fit for borrowers who have the capability for greater earnings within a few years of acquiring a mortgage. Buydown strategies allow debtors to benefit from short-term aids of the month-to-month payment of principal and interest. Offering these products assists borrowers get access to lower initial payments and the stability of foreseeable payment increases.

Seller-owned Modified Mortgages

Seller-owned Modified Mortgages make it possible to quickly and easily meet your customers' needs - without another closing. Get the versatility you require with time cost savings and convenience that originates from less paperwork and confirmation requirements. Seller-owned Modified Mortgages to augment existing customer relationships, while likewise supplying a remarkable improvement to your item line to benefit debtors.

Manufactured Homes Mortgages

Freddie Mac's requirements for manufactured homes are created so that the mortgages we purchase are originated, underwritten and serviced to assist qualified borrowers buy homes they can both pay for and preserve. It is very important to comprehend the requirements for titling manufactured homes and refining liens on the produced home in each state where mortgages protected by manufactured homes are come from.

HUD-Guaranteed Section 184 Native American Mortgages

To much better serve the requirements of Native American, Alaskan Native and New Mexican Pueblo home purchasers, we now offer Section 184 Native American Mortgages ensured by HUD. These mortgages are bought from lending institutions that have acquired Freddie Mac approval. Section 184 Native American Mortgages may be secured by 1- to 4-unit primary homes that might be either owner-occupied or leasehold estates found on both charge simple and restricted lands.

No Cash-out Refinance Mortgages

A no cash-out refinance mortgage can assist customers consolidate higher-rate seconds into one, lower-rate loan with a no cash-out re-finance mortgage. This product can likewise lower a borrower's regular monthly payment, and all associated closing expenses, financing costs and prepaids/escrows might be rolled into the new loan quantity.

Mortgages for 2- to 4-unit Properties

In lots of metropolitan communities, 2- to 4-unit housing is the essential affordable housing inventory for primary residences. Originating mortgages protected by these kinds of residential or commercial properties through Freddie Mac mortgage products makes it possible to serve a greater number of borrowers with varied monetary scenarios, and increase your Community Reinvestment Act (CRA)-eligible originations.

Loans with Secondary Financing

For adhering and extremely conforming mortgages, it's possible to originate a very first mortgage with an original loan amount as much as the optimum qualified loan limitation concurrently with a second lien home equity loan or line of credit. Freddie Mac will purchase qualified first lien mortgages with secondary financing that fulfill the criteria.

GreenCHOICE Mortgages ®

Freddie Mac thinks that lowering home utility costs puts households in a much better financial situation and assists protect home affordability with time. Through our GreenCHOICE Mortgage ® offering, we are devoted to facilitate the funding of energy efficient home enhancements and energy effective homes, assisting more households obtain and preserve home cost.

Fixed-Rate Mortgages

As a cornerstone of U.S. home financing, Freddie Mac purchases a variety of fixed-rate mortgages. Our 15-, 20-, and 30-year fixed-rate mortgage offerings utilize the power of a set rates of interest for the life of the loan. Fixed-rate mortgages for single-family homes are used primarily for 1- to 4-unit main homes, condos, 2nd homes, manufactured homes, and financial investment residential or commercial properties.

Guaranteed Rural Housing

Reach underserved markets more easily with loans ensured by USDA's Rural Housing Service (RHS) under its Section 502 Guaranteed Rural Housing (GRH) Loan Program. Through the GRH program you can meet the requirements of rural borrowers who have the necessary earnings and credit history, however not the deposit required to certify for a standard mortgage.

Financed Permanent Buydown Mortgages

The Financed Permanent Buydown Mortgage lowers customers' regular monthly payments without needing extra cash at closing. With this offering, customers can completely minimize their rates of interest. By combining this mortgage with other flexible Freddie Mac products, more borrowers can receive bigger mortgage amounts. For re-finance borrowers, this may be an option to re-finance from high interest-rate loans to below-market interest rates.

Cash-out Refinance

Cash-out refinance mortgage choices can help borrowers leverage home equity for immediate cash flow. Whether borrowers want to combine debt or obtain cash for home enhancements (or reduce a rate and month-to-month payment; settle a purchase money junior lien; or settle a leasehold interest), all associated closing costs, financing expenses and pre-paid products can be rolled into the brand-new loan amount, more maximizing your customer's money flow potential.

Community Land Trust (CLT) Mortgages

We have actually reimagined the mortgage procedure for Community Land Trusts (CLTs) and residential or commercial properties subject to resale restriction. We believe we've discovered the right balance among the interests of CLTs, customers and lending institutions. Our CLT mortgage offering protects cost effective housing systems over time, promotes sustainable homeownership for borrowers and supplies easier underwriting requirements for loan providers.

CHOICERenovation ® Mortgages

CHOICERenovation ® permits loan providers to deliver loans to Freddie Mac where the customer uses the loan continues to pay for the renovations.

HeritageOne ® Mortgage

The HeritageOne®& reg; > mortgage offering is an innovative funding solution designed to satisfy the loaning requirements of members of federally acknowledged Native American tribes residing in tribal areas. With this offering, customers have access to traditional funding for numerous kinds of land ownership interests (e.g., tribal trust land, allocated trust land, unlimited or restricted charge easy land, and so on) and for homes situated within eligible Native American tribes' tribal locations.

SOFR-Indexed ARMs

SOFR ARMs qualified for sale to Freddie Mac utilize an index based on a 30-day intensified average of SOFR (SOFR Index). This page highlights eligibility, underwriting and delivery requirements for SOFR-indexed ARMs.

CHOICEReno eXPress ® Mortgage

CHOICEReno eXPress ® is a structured renovation mortgage that allows you to offer an extra financing choice for borrowers who are aiming to finance smaller-scale home renovations.

Mortgages Secured by Income-Based Resale Restricted Properties

To construct on our dedication, we have actually included brand-new and revised underwriting flexibilities for mortgages secured by income-based resale restricted residential or commercial properties sold under affordable housing programs that aim to preserve cost in time.

CHOICEHome ® Mortgage

If a manufactured home satisfies certain specs, it is given CHOICEHome certification and is eligible for CHOICEHome funding. Plus, in appraising these homes, we'll allow using site-built homes as equivalent sales when there are no CHOICEHome sales available.

HFA Advantage ®

The Freddie Mac HFA Advantage ® mortgage is a standard mortgage product offered specifically to housing finance agencies (HFAs) looking for strategic solutions to diversify their product offerings and portfolio mix while broadening homeownership responsibly.

Discover more

Subscription Center

Get and remain connected with Freddie Mac Single-Family. Subscribe to our e-mails and we'll send out the details that you desire straight to your e-mail inbox.