Freddie Mac Home Possible Mortgage® and Home Possible AdvantageSM
Freddie Mac Home Possible and Home Possible Advantage low- and moderate-income borrowers low down payments and flexible source of funds.

 •Up to 97% LTV on 1-unit 30-year Fixed and up to 95% LTV for all others
•Purchase or Rate/Term Refinance
•30-year Fixed and 5/1 ARM
•1-4 unit Primary Residence for standard Home Possible and 1-unit for Home Possible Advantage program
•Low Mortgage Insurance cost
•See Freddie Mac’s Affordable Income & Property Eligibility Tool ( or LP® to determine borrower’s income eligibility
•Borrowers’ own funds not required for 1-unit properties; 3% own funds required for 2-4 unit properties
•CLTV to 105% with Subordinate financing in the form of a Community Affordable Second®
•CLTV to 95% with an traditional second
•Fewer Price Adjustments than standard Freddie Mac® loans*
◦Zero (0) price adjustments if Credit Score >= 680 AND LTV > 80%
◦1.500 maximum price adjustment for all other scenarios
*price adjustment cap does not apply to loan amount, property state, or LMPI adjustments


Kris Czelusniak
Kris Czelusniak