Mortgage Products by Borrower Need

Choose a Borrower Need:

• Home Affordable Refinance
• Low Down Payment
• Low Monthly Payment
• Less-than-perfect Credit
• Build/Tap Equity
• Home Construction, Renovation
• Reduced Documentation; Quicker Process
• Investors; Complex Finances
• First-time Homebuyers
• Rural or Underserved Communities
• Borrowers in High-Cost Areas

Home Affordable Refinance

• Relief Refinance Mortgages^SM – Same Servicer
• Relief Refinance Mortgages – Open Access

Low Down Payment

• Affordable Merit Rate® Mortgages
• Alt 97®
• A-minus Mortgage
• Guaranteed Rural Housing Mortgages
• Home Possible® 97 Mortgages
• HUD-Guaranteed Section 184 Native American Mortgages
• Manufactured Homes
• Mortgages with Temporary Subsidy Buydown Plans
• Rural Housing Service Section 502 Leveraged Seconds
• Veterans Affairs (VA) Mortgages
  

Low Monthly Payment

• Affordable Merit Rate® Mortgages
• A-minus Mortgages
• Balloon/Reset Mortgages (5- and 7-year)
• CMT-indexed ARMs
• Cost-of-Funds Indexed (COFI) Rate-Capped ARMs
• Financed Permanent Buydown Mortgages
• Initial Interest^SM ARMs
• Initial Interest^SM Fixed-rate Mortgages
• LIBOR-indexed ARMs
• Manufactured Homes
• No Cash-out Refinance Mortgages
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Streamlined Refinance Mortgages

Less Than Perfect Credit

• Affordable Merit Rate® Mortgages
• A-minus Mortgages

Build/Tap Equity

• 15-year Fixed-rate Mortgages
• Affordable Seconds®
• Biweekly Payment Mortgages
• Cash-out Refinance Mortgages
• No Cash-out Refinance Mortgages
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Streamlined Refinance Mortgages

Home Construction and Renovation

• Affordable Seconds®
• FHA 203 (k) Rehabilitation Mortgages
• Cash-out Refinance Mortgages
• Construction Conversion Mortgages
• Mortgages for Newly Constructed Homes
• Newly Built Home Mortgages
• Renovation Mortgages
• Streamlined Refinance Mortgages

Reduced Documentation; Quicker Process

• Relief Refinance Mortgage – Same Servicer
• Seller-owned Converted Mortgages
• Seller-owned Modified Mortgages
• Streamlined Refinance Mortgages

Investors and Financially Complex Borrowers

• Investment Property Mortgages
• Mortgages for 2- to 4-unit Properties
• Initial Interest ARMs
• Initial Interest Fixed-rate Mortgages

First-time Homebuyers

• Alt 97®
• Condominium Unit Mortgages/Streamlined Condo Review
• Guaranteed Rural Housing Mortgages
• Home Possible 97 Mortgages
• Home Possible Neighborhood Solution 97
• Manufactured Homes
• Veterans Affairs (VA) Mortgages

Rural Areas or Underserved Communities

• Guaranteed Rural Housing Mortgages
• HUD-Guaranteed Section 184 Native American Mortgages
• Rural Housing Service Section 502 Leverage Seconds
• Simplified Guidelines for Permanent and Nonpermanent Resident Aliens

Borrowers in High-Cost Areas

• Super Conforming Mortgages

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