In FEMA-declared Major Disaster Areas where federal Individual Assistance programs have been extended, mortgage relief options are available. Contact your mortgage company (the company listed on your mortgage statement) right away to discuss your mortgage relief options.
Learn more about mortgage relief options for people affected by natural disasters:
Freddie Mac is focused on building a better housing finance system by supporting the housing market daily, continuously improving our business, and innovating for the future. We continue to demonstrate progress in building a profitable, sustainable business model that will meet the needs of the nation and all the communities we serve in the years to come.
No. Freddie Mac does not make loans directly to homebuyers. Our primary business business is to purchase loans from lenders to replenish their supply of funds so that they can make more mortgage loans to other borrowers. Learn more about Freddie Mac's role in helping families own or rent a home.
Freddie Mac has three core business lines that play a critical role in financing affordable housing for America's families: Single-Family, Multifamily and Capital Markets.
HomeSteps®, the real estate sales unit of Freddie Mac, offers all types of homes for sale across the country, including apartment buildings, with some attractive incentives. Learn more about HomeSteps, the buying process, offers and incentives, investors and more.
The company is regulated by the Federal Housing Finance Agency.
You can find out if Freddie Mac owns your loan by using our self-service loan look-up tool.
You received this letter because Freddie Mac has purchased your loan as an investor and, by law, we are required to inform you. This letter is sent to you for informational purposes only. No action is required on your part and the sale does not affect any term, payment, or condition of your mortgage. Get the answers to the most frequently asked questions regarding this letter.
PMI is an insurance policy that protects the lender if you are unable to pay your mortgage. It's a monthly fee, rolled into your mortgage payment, that is required for all conforming, conventional loans that have down payments of less than 20%. Get the answers to the most frequently asked questions asked about PMI.
If you're looking to buy a home, your first step is to call your lender to discuss the mortgage application process. Learn more about finding and working with your lender.
Freddie Mac’s Enhanced Relief RefinanceSM provides refinance opportunities for homeowners with existing Freddie Mac mortgages who are making their mortgage payments on time but whose loan-to-value (LTV) ratio for a new mortgage exceeds the maximum allowed for standard refinance products. Learn more about the program and see if it’s right for you.
If you need help with your mortgage, there are many parties who can help you, including your lender, housing counselors, Freddie Mac Borrower Help Centers and others. Learn more about your options and ways to prepare for your discussion.
The process for buying a HomeSteps home and submitting an offer is similar to the process for buying just about any home listed on the market. Visit Making an Offer on a HomeSteps Home for more information about the buying process.
The decision whether to rent or own your home depends on your personal circumstances and preferences. However, Freddie Mac's Rent vs. Buy calculator can help you assess the different financial impacts of renting and owning, using your own financial information. You’ll find that calculator and many more valuable resources on My Home by Freddie Mac®
To become a Freddie Mac Single-Family Seller/Servicer, you'll need to follow a series of steps that include determining your eligibility, completing the pre-application form and your customized application online.
Contact your account representative, the Freddie Mac Customer Support Center at 800-FREDDIE, or send an email to web_inquiries@freddiemac.com.
For hours of operation and customer support, visit the Standard Hours of Operation web page, which also includes hours of availability for Loan Advisor Suite tools as well as holiday hours.
Visit our Single-Family News Center to get current news on doing business with Freddie Mac, including originating and underwriting, selling and delivering, servicing, recent notices and more.
The online version of our Guide is made available to you by Freddie Mac in cooperation with AllRegs. Please bookmark this page for future reference.
Yes. When the borrower has been self-employed for less than two years, you must document the following:
Yes. You must document the payoff or pay down of the debts and the source of the funds used in the mortgage file. These accounts are not required to be closed.
No. Future income is not allowed. We consider stable monthly income as the borrower's verified gross monthly income from all acceptable and verifiable sources.
Yes. The manufactured home must be at least 12 feet wide and have a minimum gross of 600 square feet of living area.
Yes. In many instances, an employer may feel uncomfortable noting that bonus or overtime income will continue due to future business decisions. Therefore, for all income, you may consider the income for qualifying the borrower, provided you do not have knowledge, information or documentation that contradicts a reasonable expectation of continuance or probability of consistent receipt over at least the next three years.
No. The non-occupant co-borrower can be anyone who is willing to meet the requirements of Freddie Mac's Seller/Servicer Guide.
Although we are not accepting new Seller/Servicers, if you’d like consideration for the future, please send an email to the appropriate contact.
Visit Freddie Mac Multifamily's Customer News site to get current news on doing business with Freddie Mac, including originating and underwriting, selling and delivering, servicing, recent notices and more.
The online version of our Multifamily Guide is made available to you by Freddie Mac in cooperation with AllRegs. Please bookmark this page for future reference.
Each loan we buy goes through our in-house Underwriting & Credit team, who strictly adhere to a core set of principles when making credit decisions and focus on quality throughout the loan life cycle. Even with this rigor, team members have the flexibility and expertise to collaborate across the company and with our customers to craft solutions to achieve results.
Freddie Mac Multifamily's servicing approach is unique in the industry and focuses on creating a positive customer experience throughout the life of each loan. The key features promote consistency, efficiency, transparency, and flexibility:
For details, go to the Freddie Mac Multifamily Seller/Servicer Guide.
Multifamily workforce housing is unsubsidized multifamily housing that's affordable to most low- and middle-income households. Find a more detailed definition in our fact sheet.
Our conservator, the Federal Housing Finance Agency (FHFA), caps Freddie Mac's and Fannie Mae's multifamily purchase volume each year. The 2017 cap was set at $36.5 billion; if market conditions warrant, FHFA will adjust the cap following a quarterly review. However, to better support underserved markets, loans on the following types of properties are excluded from the cap:
Also excluded are loans that finance energy- or water-efficiency improvements.
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