Required CHOICEHome Features

All the quality and features borrowers want, but at a lower cost.

Minimum of 4/12 or greater.


  • Covered Front Porch and Attached 1 or 2 Car Garage or Carport
  • Covered Front Porch and One or More Front Dormer
  • One or More Front Dormer and Attached 1 or 2 Car Garage or Carport

Built to exceed current HUD energy efficiency requirements for the geographic property. The home must also have:

  • Minimum insulation values of 33 (ceiling), 11 (wall) and 22 (floor)
  • Low-E windows
  • A programmable thermostat

The CHOICEHome dwelling must be multi-section and contain at least 1,000 square feet of living area.

Drywall throughout (interior walls, ceilings, and closets). 

Permanent foundation must include the presence of a masonry perimeter or "perimeter blocking".

Freddie Mac Flexible Financing Options

Smart financing options and enhanced loan origination the industry wants and needs.

Freddie Mac Home Possible® Mortgage
Home Possible helps you put more qualified customers on the path to successful homeownership. It’s perfect for first-time homebuyers, millennials and other underserved consumers.

  • No minimum contribution from borrower personal funds
  • Gifts from related persons and other sources of funds permitted for down payment and closing costs
  • 97% LTV limit
  • No reserves required, lowering cash needed to close
  • Flexible homebuyer education requirement

Freddie Mac HomeOne® Mortgage
With more flexibility for maximum financing, HomeOne® provides expanded opportunity and greater certainty to help lenders bring more borrowers to the closing table.

  • 3 percent minimum down payment for first-time homebuyers
  • More flexibility for financing
  • Homebuyer education requirements support informed, responsible and sustainable homeownership.

With CHOICEHome, you get all the quality, features and flexible financing options the industry wants and needs.