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Overview

The Freedom Mortgage Wholesale Division offers you a full spectrum of conventional loan solutions to meet all your borrower’s needs.

Key features of our conventional loan products

  • Fixed rate, LTV to 97% for first time homebuyers
  • Fixed rate, cash out refinance LTV to 80% (1 unit primary residence)
  • Conforming and high balance/super conforming
  • Minimum risk score of 620 unless a higher score is required by DU/LPA
  • Investment property: No owner occupancy requirements
  • When no borrower(s) on the mortgage has a credit score, the mortgage may be considered
  • 1-4 units, warrantable condo, PUD, townhouse, Co-ops, and manufactured housing
  • Primary residence: Must be owner occupied
  • Secondary/vacation home: Must be occupied by the borrower for some portion of the year

Conventional loan solutions

Fannie Mae fixed rate loans

These mortgages have a variety of term options, giving you a flexible approach with borrowers.

Download the Product Card below for additional details.

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Fannie Mae high balance fixed rate loans

Support borrowers in high cost areas with these Fannie Mae loans.

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HomeReady® fixed rate loans

HomeReady® loans are designed to provide options for your low-to-moderate income borrowers.

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Freddie Mac fixed rate loans

These fixed rate loan offerings are designed to provide steady billing for your borrowers.

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Freddie Mac super conforming loans

These mortgages have higher loan limits for high-cost buying environments.

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Home Possible® fixed rate loans

Borrowers may benefit from less stringent credit score requirements and low down payments with this loan.

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HomeOne® mortgage loans

These low down payment loans help your first-time homeowners make their purchase.

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Fannie Mae Texas
50(a)(6) and 50(a)(4) loans

These Fannie Mae products are designed specifically to cater to Texas residents.

Download the Product Card below for additional details.

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Freddie Mac Texas
50(a)(6) and 50(a)(4) loans

These Freddie Mac loans are available for your Texas borrowers.

Download the Product Card below for additional details.

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Additional loan products

VA loans
VA loans

As a national leader in VA lending1, you are perfectly positioned to offer special services and products to Veteran borrowers.

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FHA loans
FHA loans

Our long and innovative history of FHA expertise has made Freedom Mortgage the #1 FHA lender in the nation1.

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USDA loans
USDA loans

Freedom Mortgage’s USDA Guaranteed Loan Program offers no down payments for homes in rural or suburban areas.

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Jumbo loans
Jumbo loans

Freedom Mortgage Wholesale Division offers jumbo loans to help borrowers finance a higher-priced property that exceeds the local conforming loan limit.

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1Inside Mortgage Finance, Jan-June 2021