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Get CreditSmart ! - Freddie Mac

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Get Credit Smart! is a financial literacy guide developed by Freddie Mac to help individuals understand, build, and maintain good credit. It emphasizes the importance of credit in achieving financial goals, provides lessons on managing money, setting goals, understanding credit scoring, and avoiding credit traps. The document aims to empower consumers with knowledge and tools necessary for financial security and homeownership.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What is credit smart?

CreditSmart, the informed voice on credit Our goal is to make it easy for you to understand how your credit choices impact what information credit providers can access and how you can take control of that information.

Is Freddie Mac CreditSmart free?

CreditSmart is a suite of free, comprehensive financial and homeownership education resources for the general public (consumers) and practitioners who wish to coach consumers. The suite consists of several courses, curricula and other resources.

What credit score do you need for a Freddie Mac loan?

Credit score. Both Fannie Mae and Freddie Mac require a minimum credit score of 620 for fixed-rate mortgages. However, you may need a higher credit score for certain loan programs or to obtain better interest rates.

What is the LTV for Freddie Mac BorrowSmart?

BorrowSmart Down Payment Program Requirements Minimum 95% loan-to-value (LTV). Must be in high needs census tract or subject property must be a manufactured home. Disclaimer: Freddie Mac BorrowSmartSM program is available in all states.

What is the Freddie Mac access program?

The Freddie Mac BorrowSmart Access program is a down payment and closing cost assistance program created for eligible borrowers, including those in certain income brackets or who may face financial hurdles in securing a home loan.

How much is the BorrowSmart grant?

Get $1,250 or $2,500 toward your down payment or closing costs with the Freddie Mac BorrowSmartSM Program or income-based Grants for qualifying borrowers.

What is the Freddie Mac BorrowSmart access program?

What is Freddie Mac BorrowSmart Access? The Freddie Mac BorrowSmart Access program is a down payment and closing cost assistance program created for eligible borrowers, including those in certain income brackets or who may face financial hurdles in securing a home loan.

What is the Freddie Mac Borrow Smart Access program?

Freddie Mac BorrowSmart Access is an SPCP that allows qualified clients in eligible counties to receive $3,000 in down payment assistance. Some standard requirements for conventional loans apply, including the need for a 620 qualifying credit score and a DTI no higher than 50%.

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