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Overview

Ideal for first-time buyers or low-to-moderate income borrowers, the Freedom Mortgage Wholesale Division provides you with affordable FHA loan products, featuring low down payments, competitive interest rates and flexible terms for your borrowers.

Key features of our FHA loan program

 
  • DTI determined by AUS, HUD REO properties eligible with escrow holdbacks for repairs of up to $11,000
  • Maximum loan amounts are based on the county/state location of the subject property - determined from HUD’s website
  • Maximum LTV/CLTV of 96.5% (98.25% with UFMIP)
  • HUD REO properties with escrow holdbacks
  • Tax transcript not required for W-2 wage earners (see AllRegs for detailed exclusions)
  • 580 minimum credit score for each borrower for both standard and jumbo transactions
  • Manufactured housing allowed
  • FHA 203(h) loans (disaster recovery)

FHA loan solutions

FHA fixed rate loans

Our FHA fixed rate loans are available with lower down payments, and more flexible credit requirements.

Download the Product Card below for additional details.

Learn more
FHA streamline refinance loans

These options provide a simplified and efficient way for FHA borrowers to lower their mortgage rate and payments.

Download the Product Card below for additional details.

Learn more
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Additional loan products

VA loans
Conventional loans

Provide your borrowers with a full spectrum of Freedom Mortgage’s innovative conventional loan solutions.

Learn more
FHA loans
VA loans

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

Learn more
USDA loans
USDA loans

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

Learn more

1Inside Mortgage Finance, Jan-June 2021