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Fannie Mae:

This is the most popular mortgage loan as if offers financing for homeowners with flexible loan terms ranging from 15 to 30 years with as low a credit score as 620. You may refinance up to 90% of the property’s value. Fannie Mae allows refinancing for primary residences, second homes, and investment properties. Here are some of the loan programs Fannie Mae has to offer:

  • Purchase
  • ARM’s
  • No PMI with loans less than 80% LTV
  • Fixed Rates

Freddie Mac:

Although very similar to Fannie Mae’s programs, Freddie Mac proves to be more flexible when underwriting its loans giving purchasers another option to qualify.

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