Freddie Mac Mortgage Programs & Lenders
Less Than Perfect Credit

Anyone dreaming of buying a home may feel a knot in their
stomach when their credit is considered.  Since so many
potential borrowers do not fully understand how their credit
works, all too often they may make mistakes that can hurt
their score and deplete their chances of getting the
mortgage they need to fulfill their dreams.  Freddie Mac
understands and sympathizes with this situation.  We have
come up with helpful ways to aid the borrower with less than
perfect credit to buy the home they want.
You can use these tools to help your client to get the
mortgage they need:

Affordable Merit Rate® Mortgages
Our affordable merit rate mortgage allows for someone with credit that is not all that it could be
to qualify for a mortgage that is still competitive with traditional and typically lower cost
mortgages.  With affordable merit rate mortgage the borrower is given the opportunity to lower
their percentage rate when they make on time payments for 24 consecutive months.  This
allows for the borrower to enjoy similar financial benefits as someone with excellent credit.

A-minus Mortgages
A - Minus mortgages are a means of approving potential borrowers whose credit is not perfect
much more easily.  A – minus will give you more diverse options and your borrower will be able
to get the competitive mortgage that may have seemed out of reach before.

Your clients may be at the end of their rope hoping that someone will give them the mortgage
they need to make their dream of home ownership a reality.  Freddie Mac is working hard to
help borrowers out and while we see many companies shrinking back from supporting loans to
individuals with poor credit we believe that all that have suffered from the decline in the
economy deserve a chance at making a financial come back.

Aside from our flexible mortgage options we also encourage improving potential home owners
odds of gaining financial success by promoting consumer education and by initiating
community development projects.  It is our hope that building a stronger community and
furthering the financial education of its citizens that we can aid in building a future where
anyone who puts their mind to it can own a home.

Teaching people how to manage their credit and avoid undue debt can help these persons to
keep the dream of home ownership alive.  In such a topsy turvy world it is our mission to
provide stability and reliability in the housing market.  Nothing we do is aimed at only
supporting the wealthy and those with perfect credit scores.  We aim to help the low and
moderate income households and those who have lost a bit of ground with their credit.  

If you are looking to help your clients who are struggling to get their mortgages approved due
to low in - come or bad credit turn to Freddie Mac for real answers and solutions.  When you
use Freddie Mac for you financial needs you can trust that we are doing all that we can to
assist your clients.
Mortgage Solutions
Copyright © 2009 Freddie-Mac-Mortgage.com. All rights reserved.

Freddie-Mac-Mortgage.com is engaged in the business of providing content for mortgage shoppers and is not acting as a
your request with Lending Partners who may have loan products available according to the criteria you submit in your
request. Information collected is not an application for credit or a mortgage loan and your request does not pre-qualify
you for a loan with any particular Lending Partner.

There is no cost to submit a request, receive loan offers or review the loan offers and talk to Lending Partners.
Freddie-Mac-Mortgage.com does not charge you, the consumer, a fee for its services.

The content on our website (the "Content") is supplied in good faith using references and sources deemed reliable;
however it is published strictly on an "as-is" basis. The operator of this website and the author hereby disclaims any and
all express or implied warranties to the maximum extent permitted by law. The Content is provided for informational
purposes only and is not to be construed as financial or legal advice. Everyone's financial circumstances are unique. You
are urged to consult multiple informational sources and a professional advisor before making any decisions affecting your
personal finances.

Freddie-Mac-Mortgage.com is not responsible for the accuracy of the rate, APR and loan information as it based on
third-party research, consumer and broker surveys and other published information sources.