Mortgage Products

Mortgage Products by Type

Fixed-Rate Mortgages

• 15-, 20- and 30-year Fixed-rate Mortgages
• Affordable Merit Rate® Mortgages
• A-minus Mortgages
• Cash-out Refinance Mortgages
• Condominium Unit Mortgages/Streamlined Condo Review
• Construction Conversion Mortgages
• Financed Permanent Buydown Mortgages
• Home Possible® Mortgages
• Home Possible Neighborhood Solution Mortgages
• Investment Property Mortgages
• Loans with Secondary Financing
• Manufactured Homes
• Mortgages for 2- to 4-unit Properties
• Mortgages with Temporary Subsidy Buydown Plans
• No Cash-out Refinance Mortgages
• Relief Refinance Mortgages^SM – Same Servicer
• Relief Refinance Mortgages – Open Access
• Renovation Mortgages
• Rural Housing Service Section 502 Leveraged Seconds
• Seller-owned Modified Mortgages
• Super Conforming Mortgages

Adjustable-Rate Mortgages

• A-minus Mortgages
• Cash-out Refinance Mortgage
• CMT-indexed ARMs
• Cost-of-Funds Indexed (COFI) Rate-Capped ARMs
• Financed Permanent Buydown Mortgages
• Home Possible Mortgages
• Home Possible Neighborhood Solution Mortgages
• Investment Property Mortgages
• LIBOR-indexed ARMs
• Loans with Secondary Financing
• Manufactured Homes
• Mortgages for 2- to 4-unit Properties
• Mortgages with Temporary Subsidy Buydown Plans
• No Cash-out Refinance Mortgages
• Relief Refinance Mortgages – Same Servicer
• Relief Refinance Mortgages – Open Access
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Super Conforming Mortgages

Government-sponsored Offerings

• Guaranteed Rural Housing Mortgages
• HUD-Guaranteed Section 184 Native American Mortgages
• RHS Leveraged Seconds
• Veterans Affairs (VA) Mortgages

Mortgage Products by Name (A-Z)

• 15-, 20- and 30-year Fixed-rate Mortgages
• Affordable Merit Rate® Mortgages
• Affordable Seconds®
• A-minus Mortgages
• Cash-out Refinance Mortgages
• CMT-indexed ARMs
• Condominium Unit Mortgages/Streamlined Condo Review
• Construction Conversion Mortgages
• Cost-of-Funds Indexed (COFI) Rate-Capped ARMs
• Financed Permanent Buydown Mortgages
• Guaranteed Rural Housing Mortgages
• Home Possible Mortgages
• Home Possible Neighborhood Solution
• HUD-Guaranteed Section 184 Native American Mortgages
• Investment Property Mortgages
• LIBOR-indexed ARMs
• Loans with Secondary Financing
• Manufactured Homes
• Mortgages for 2- to 4-unit Properties
• Mortgages with Temporary Subsidy Buydown Plans
• No Cash-out Refinance Mortgages
• Relief Refinance Mortgages^SM – Same Servicer
• Relief Refinance Mortgages – Open Access
• Renovation Mortgages
• Rural Housing Service Section 502 Leveraged Seconds
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Super Conforming Mortgages
• Veterans Affairs (VA) Mortgages

Mortgage Products by Borrower Need

Choose a Borrower Need:

• Home Affordable Refinance
• Low Down Payment
• Low Monthly Payment
• Less-than-perfect Credit
• Build/Tap Equity
• Home Construction, Renovation
• Reduced Documentation; Quicker Process
• Investors; Complex Finances
• First-time Homebuyers
• Rural or Underserved Communities
• Borrowers in High-Cost Areas

Home Affordable Refinance

• Relief Refinance Mortgages^SM – Same Servicer
• Relief Refinance Mortgages – Open Access

Low Down Payment

• Affordable Merit Rate® Mortgages
• A-minus Mortgage
• Guaranteed Rural Housing Mortgages
• Home Possible® Mortgages
• Home Possible Neighborhood Solution
• HUD-Guaranteed Section 184 Native American Mortgages
• Manufactured Homes
• Mortgages with Temporary Subsidy Buydown Plans
• Rural Housing Service Section 502 Leveraged Seconds
• Veterans Affairs (VA) Mortgages

Low Monthly Payment

• Affordable Merit Rate® Mortgages
• A-minus Mortgages
• CMT-indexed ARMs
• Cost-of-Funds Indexed (COFI) Rate-Capped ARMs
• Financed Permanent Buydown Mortgages
• LIBOR-indexed ARMs
• Manufactured Homes
• No Cash-out Refinance Mortgages
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages

Less Than Perfect Credit

• Affordable Merit Rate® Mortgages
• A-minus Mortgages

Build/Tap Equity

• 15-year Fixed-rate Mortgages
• Affordable Seconds®
• Biweekly Payment Mortgages
• Cash-out Refinance Mortgages
• No Cash-out Refinance Mortgages
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages

Home Construction and Renovation

• Affordable Seconds®
• Cash-out Refinance Mortgages
• Construction Conversion Mortgages
• Renovation Mortgages

Reduced Documentation; Quicker Process

• Relief Refinance Mortgage – Same Servicer
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages

Investors and Financially Complex Borrowers

• Investment Property Mortgages
• Mortgages for 2- to 4-unit Properties

First-time Homebuyers

• Condominium Unit Mortgages/Streamlined Condo Review
• Guaranteed Rural Housing Mortgages
• Home Possible Mortgages
• Home Possible Neighborhood Solution
• Manufactured Homes
• Veterans Affairs (VA) Mortgages

Rural Areas or Underserved Communities

• Guaranteed Rural Housing Mortgages
• HUD-Guaranteed Section 184 Native American Mortgages
• Rural Housing Service Section 502 Leverage Seconds

Borrowers in High-Cost Areas

• Super Conforming Mortgages

Help & Training

Use the following resources to learn about Freddie Mac mortgage products, enabling you to meet the needs of more borrowers.

Mortgage Products: Training and Resources

Select a topic below for self-serve resources such as training, quick references, and other information.

Descriptions of all Mortgage Product resources for training and education are available with our Underwriting resources in this comprehensive, easy-to-print reference.

Upcoming Training Events

Select a course title below for course description, prerequisites, objectives, materials and availability, or view all scheduled training events.

Workshop         Web Event