Mortgage Products by Borrower Need

Realizing Possibilities

As a Freddie Mac Seller/Servicer, we'll help you achieve success with the mortgage products that meet the needs of today's borrowers, and a set of options to help you realize more business possibilities in a changing market.

Choose a Borrower Need:

• 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

Low Down Payment

• Affordable Merit Rate® Mortgages
• Alt 97®
• A-minus Mortgage
• Guaranteed Rural Housing Mortgages
• Home Possible® 100 Mortgages
• Home Possible® 97 Mortgages
• Home Possible Neighborhood Solution® 100
• Home Possible Neighborhood Solution® 97
• 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

• 40-year Fixed-rate Mortgages
• Affordable Merit Rate® Mortgages
• A-minus Mortgages
• Balloon/Reset Mortgages (5- and 7-year)
• CMT-indexed ARMs
• Cost-of-Funds Indexed (COFI) Rate-Capped ARMs
• Financed Permanent Buydown Mortgages
• Initial Interest^SM ARMs
• Initial Interest^SM Fixed-rate Mortgages
• LIBOR-indexed ARMs
• Manufactured Homes
• No Cash-out Refinance Mortgages
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Streamlined Refinance Mortgages

Less Than Perfect Credit

• Affordable Merit Rate® Mortgages
• A-minus Mortgages
• Home Possible® 100 Mortgages
• Home Possible® 97 Mortgages
• Home Possible Neighborhood Solution® 100
• Home Possible Neighborhood Solution® 97

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
• Streamlined Refinance Mortgages

Home Construction and Renovation

• Affordable Seconds®
• FHA 203 (k) Rehabilitation Mortgages
• Cash-out Refinance Mortgages
• Construction Conversion Mortgages
• Mortgages for Newly Constructed Homes
• Newly Built Home Mortgages
• Renovation Mortgages
• Streamlined Refinance Mortgages

Reduced Documentation; Quicker Process

• Alternative Stated Income Option Mortgages
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Streamlined Refinance Mortgages

Investors and Financially Complex Borrowers

• Alternative Stated Income Option Mortgages
• Investment Property Mortgages
• Mortgages for 2- to 4-unit Properties
• Initial Interest ARMs
• Initial Interest Fixed-rate Mortgages

First-time Homebuyers

• 40-year Fixed-rate Mortgages
• Alt 97®
• Condominium Unit Mortgages/Streamlined Condo Review
• Guaranteed Rural Housing Mortgages
• Home Possible® 100 Mortgages
• Home Possible 97 Mortgages
• Home Possible® Neighborhood Solution 100
• Home Possible Neighborhood Solution 97
• Manufactured Homes
• Veterans Affairs (VA) Mortgages

Rural Areas or Underserved Communities

• Guaranteed Rural Housing Mortgages
• Home Possible® 100 Mortgages
• Home Possible® 97 Mortgages
• Home Possible Neighborhood Solution® 100
• Home Possible Neighborhood Solution® 97
• HUD-Guaranteed Section 184 Native American Mortgages
• Rural Housing Service Section 502 Leverage Seconds
• Simplified Guidelines for Permanent and Nonpermanent Resident Aliens

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