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2. Working With Us
   
   Mortgage Products
   
   The ideal mortgage option for every kind of customer.
   
   Freddie Mac assists you put your customer's requirements front and center with an array of ingenious mortgage products that deal with essentially every financing situation.
   
   Renovation Mortgages
   
   With Renovation Mortgages, debtors can get access to irreversible financing alternatives they require to repair, restore, restore or renovate their existing site-built homes. These types of products can assist debtors who want versatile financing choices to combine remodelling mortgages with lots of other Freddie Mac products, consisting of low deposit mortgages.
   
   Home Possible ®
   
   The Freddie Mac Home Possible ® mortgage uses more choices and credit flexibilities than ever before to assist extremely low- to moderate-income customers obtain the dream of owning a home. In addition to its down payment requirement of as low as 3 percent, Home Possible deals more alternatives to properly increase homeownership for more customers- all with competitive pricing and the ease of a traditional mortgage.
   
   Seller-owned Converted Mortgages
   
   Seller-owned Converted Mortgage requirements offer a streamlined procedure for offering transformed ARMs, so that when market conditions alter or you want to reorganize your balance sheet, the sale process fasts, simple and lucrative. These kinds of mortgages suggest debtors can convert to the security of a fixed-rate mortgage when rates of interest rise - in one easy procedure.
   
   HomeOne ®
   
   Available to qualified novice homebuyers for a low deposit of just 3%, HomeOne ® is a low down payment option that serves the needs of lots of first-time homebuyers, in addition to no cash-out re-finance borrowers. This mortgage option allows you to assist more first-time property buyers achieve the turning point of homeownership, regardless of their earnings levels or geographic area.
   
   Super Conforming Mortgages
   
   Freddie Mac's incredibly conforming mortgages are mortgages stemmed utilizing higher optimum loan limits that are permitted in designated high-cost areas. These greater loan limitations are meant to supply lending institutions with much-needed liquidity in the highest cost locations of the country, while likewise lowering mortgage financing expenses for customers found in these locations.
   
   Construction Conversion Mortgages
   
   Freddie Mac Construction Conversion Mortgages provide a variety of competitive sale execution alternatives for loans processed as purchase deals. Plus, lenders can sell 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 debtors and increase homeownership opportunities in underserved markets through Rural Housing Service (RHS) Leveraged Seconds. The Department of Agriculture's Section 502 Single-Family Leveraged Seconds Loan program is designed to fulfill the requirements of low-income rural debtors who have the essential credit report, but may not have the earnings or deposit required for a standard mortgage.
   
   Affordable Seconds ®
   
   Affordable Seconds ® help satisfy the needs of debtors requiring flexible secondary financing choices and sell inexpensive loaning mortgage products supplemented by subsidized secondary financing. They must originate from an appropriately licensed authority or company of federal, state, regional or community federal government, a nonprofit neighborhood or religious company, the debtor's company, or regional Federal Mortgage Banks under a budget friendly housing program.
   
   Veterans Affairs (VA) Mortgages
   
   Reach more Veterans in high-cost housing markets, and offer these Department of Veterans Affairs (VA)- qualified customers with more homeownership chances with VA Mortgages. Our VA mortgage offering provides all the existing benefits under the existing Department of Affairs program, and enables an original principal 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 offers lower-income borrowers with the chance to decrease their regular monthly mortgage expenditures, boost their capability to save more and construct generational wealth through housing.
   
   Investment Residential Or Commercial Property Mortgages
   
   Investment residential or commercial property mortgages can broaden mortgage service options and develop chances to combine with other financial products. These Freddie Mac mortgage choices can assist lenders originate 1- to 4-unit investment residential or commercial property mortgages to improve origination techniques and personalize mortgages to borrower's individual needs and financial methods.
   
   Condominium Unit Mortgages
   
   If you're looking for solutions and choices for mortgages you originate that are protected by condominium units, we have a review process that lets you quickly identify project status with comprehensive criteria. Project eligibility requirements include items such as financial practicality, the residential nature of the task, and the ownership structure.
   
   Mortgages with Temporary Subsidy Buydown Plans
   
   Temporary aid buydown plans are a good suitable for customers who have the capability for higher revenues within a few years of getting a mortgage. Buydown plans allow borrowers to gain from momentary aids of the regular monthly payment of principal and interest. Offering these items assists borrowers get access to lower preliminary payments and the stability of predictable payment boosts.
   
   Seller-owned Modified Mortgages
   
   Seller-owned Modified Mortgages make it possible to quickly and quickly satisfy your borrowers' requirements - without another closing. Get the versatility you need with time savings and benefit that originates from less documentation and confirmation requirements. Seller-owned Modified Mortgages to augment existing client relationships, while also providing an exceptional improvement to your line of product to benefit borrowers.
   
   Manufactured Homes Mortgages
   
   Freddie Mac's requirements for manufactured homes are designed so that the mortgages we purchase are originated, underwritten and serviced to help certified debtors purchase homes they can both pay for and keep. It is essential to comprehend the requirements for entitling manufactured homes and refining liens on the made home in each state where mortgages secured by manufactured homes are originated.
   
   HUD-Guaranteed Section 184 Native American Mortgages
   
   To 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 purchased from lenders that have obtained Freddie Mac approval. Section 184 Native American Mortgages may be secured by 1- to 4-unit primary residences that may be either owner-occupied or leasehold estates located on both cost basic and restricted lands.
   
   No Cash-out Refinance Mortgages
   
   A no cash-out re-finance mortgage can assist consumers consolidate higher-rate seconds into one, lower-rate loan with a no cash-out refinance mortgage. This item can likewise reduce a debtor's regular monthly payment, and all associated closing costs, financing costs and prepaids/escrows might be rolled into the brand-new loan amount.
   
   Mortgages for 2- to 4-unit Properties
   
   In lots of city neighborhoods, 2- to 4-unit housing is the key economical housing stock for primary residences. Originating mortgages secured by these types of residential or commercial properties through Freddie Mac mortgage products makes it possible to serve a higher number of borrowers with diverse financial circumstances, and increase your Community Reinvestment Act (CRA)-qualified originations.
   
   Loans with Secondary Financing
   
   For conforming and very conforming mortgages, it's possible to originate a first mortgage with an original loan quantity up to the maximum qualified loan limit simultaneously with a second lien home equity loan or line of credit. Freddie Mac will acquire qualified first lien mortgages with secondary funding that fulfill the criteria.
   
   GreenCHOICE Mortgages ®
   
   Freddie Mac believes that minimizing home energy expenses puts households in a better financial situation and helps maintain home cost with time. Through our GreenCHOICE Mortgage ® offering, we are committed to facilitate the financing of energy effective home enhancements and energy effective homes, assisting more households obtain and keep home cost.
   
   Fixed-Rate Mortgages
   
   As a cornerstone of U.S. home funding, Freddie Mac purchases a range of fixed-rate mortgages. Our 15-, 20-, and 30-year fixed-rate mortgage offerings take advantage of the power of a set rate of interest for the life of the loan. Fixed-rate mortgages for single-family homes are utilized mostly for 1- to 4-unit primary residences, condominiums, 2nd homes, manufactured homes, and 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 needs of rural borrowers who have the essential income and credit report, but not the deposit needed to get approved for a traditional mortgage.
   
   Financed Permanent Buydown Mortgages
   
   The Financed Permanent Buydown Mortgage reduces borrowers' monthly payments without needing extra money at closing. With this offering, borrowers can completely reduce their interest rate. By integrating this mortgage with other versatile Freddie Mac items, more debtors can certify for larger mortgage quantities. For refinance debtors, this might be an option to re-finance from high interest-rate loans to below-market interest rates.
   
   Cash-out Refinance
   
   Cash-out refinance mortgage options can assist customers take advantage of home equity for immediate money flow. Whether debtors want to consolidate debt or acquire money for home enhancements (or minimize a rate and regular monthly payment; pay off a purchase money junior lien; or settle a leasehold interest), all related closing expenses, financing costs and pre-paid products can be rolled into the new loan quantity, more optimizing your debtor's cash flow capacity.
   
   Community Land Trust (CLT) Mortgages
   
   We've reimagined the mortgage procedure for Community Land Trusts (CLTs) and residential or commercial properties subject to resale constraint. Our company believe we have actually discovered the best balance amongst the interests of CLTs, debtors and loan providers. Our CLT mortgage offering maintains affordable housing systems in time, promotes sustainable homeownership for debtors and supplies easier underwriting requirements for lending institutions.
   
   CHOICERenovation ® Mortgages
   
   CHOICERenovation ® allows lenders to deliver loans to Freddie Mac where the borrower utilizes the loan proceeds to pay for the remodellings.
   
   HeritageOne ® Mortgage
   
   The HeritageOne®& reg; > mortgage offering is an ingenious funding solution developed to fulfill the loaning needs of members of federally acknowledged Native American tribes living in tribal locations. With this offering, customers have access to standard funding for numerous types of land ownership interests (e.g., tribal trust land, allotted trust land, unrestricted or limited fee simple land, and so on) and for homes located within eligible Native American people' tribal areas.
   
   SOFR-Indexed ARMs
   
   SOFR ARMs eligible for sale to Freddie Mac utilize an index based on a 30-day compounded 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 enables you to offer an extra financing alternative for debtors who are wanting to finance smaller-scale home remodellings.
   
   Mortgages Secured by Income-Based Resale Restricted Properties
   
   To develop on our commitment, we have actually included brand-new and revised underwriting versatilities for mortgages protected by income-based resale restricted residential or commercial properties sold under inexpensive housing programs that intend to protect price over time.
   
   CHOICEHome ® Mortgage
   
   If a made home satisfies particular requirements, it is granted CHOICEHome accreditation and is eligible for CHOICEHome funding. Plus, in appraising these homes, we'll allow making use of site-built homes as comparable sales when there are no CHOICEHome sales offered.
   
   HFA Advantage ®
   
   The Freddie Mac HFA Advantage ® mortgage is a standard mortgage item available specifically to housing financing companies (HFAs) seeking tactical options to diversify their product offerings and portfolio mix while expanding homeownership properly.
   
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