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 moreFHA 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 moreAdditional Loan Products
Conventional Loans
Provide your borrowers with a full spectrum of Freedom Mortgage’s innovative conventional loan solutions.
Learn more
VA Loans
As a national leader in VA lending, you are perfectly positioned to offer special services and products to Veteran borrowers.
USDA Loans
Freedom Mortgage’s USDA Guaranteed Loan Program offers no down payments for homes in rural or suburban areas.
Jumbo Loans
Freedom Mortgage Wholesale Division offers jumbo loans to help borrowers finance a higher-priced property that exceeds the local conforming loan limit.
1Inside Mortgage Finance, Jan-June 2023.