SF.FreddieMac.com

CreditSmart®: Driving Informed and Empowered Borrowers Through Education

Let us show you how CreditSmart® prepares consumers for their homebuying journey.

Learning Made Easy

The CreditSmart® Suite

CreditSmart is a suite of educational resources designed to empower consumers with the skills and knowledge to assist them through every stage of their financial capability and homeownership journey.

Learning Made Easy

  1. CreditSmart® Homebuyer U

    A comprehensive homeownership education course to help guide first-time homebuyers. Completion of this course delivers a homebuyer education certificate required for Home Possible® and HomeOne® mortgage loans. Available in English and Spanish.

  2. CreditSmart® Essentials

    Offers updated unique learning modules focused on topics from credit and money management to disaster resilience. Users can create and own a learning plan tailored to their specific needs. CreditSmart Essentials DOES NOT OFFER a homebuyer education certificate. Available in English and Spanish.

  3. CreditSmart® Coach

    Bring the power of CreditSmart to your communities by becoming a certified facilitator. This interactive financial capability training program gives you the skills and resources to help your clients reach their financial goals.

  4. CreditSmart® Multilingual

    Providing the value of CreditSmart financial capability in Spanish, Chinese, Vietnamese and Korean.

  5. CreditSmart® Military

    Addresses specific needs of military service members and Veterans.

  6. About Us

    Learn what drives our passion for education.

CreditSmart

Improving Sustainable Homeownership

Read how Freddie Mac's Borrower Help Center network uses CreditSmart to help families parlay financial empowerment into homeownership.

CreditSmart Playbook


A resource guide designed for housing professionals to support their efforts in understanding and promoting the CreditSmart program.

Nicholas Whiteside's Journey to Homeownership


Read how a first-time homebuyer achieved his dream of homeownership.

CreditSmart Fact Sheet


An overview of the CreditSmart suite of financial capability and homeownership education resources.

CreditSmart Fact Sheet: Spanish Version


An overview of the CreditSmart suite of financial and homeownership resources in Spanish.

CreditSmart Home­buyer U Fact Sheet

Key features and benefits of the CreditSmart Homebuyer U homeownership education course.

CreditSmart Homebuyer U Fact Sheet: Spanish Version


Key features and benefits of the CreditSmart Homebuyer U homeownership education course in Spanish.

CreditSmart Homebuyer U Graduates: Interview Article


For some borrowers, homebuyer education can mean the difference between getting a mortgage or a rejection letter. Meet three homebuyers who leveraged it to empower their journey to homeownership.

CreditSmart FAQ


All your questions about CreditSmart, answered.

Your Guide to the Home Possible® Mortgage

The Freddie Mac Home Possible® mortgage offers more options and credit flexibilities than ever before to help very low- to low-income borrowers attain the dream of owning a home.

HomeOne®

Available to qualified first-time homebuyers for a low down payment of just 3%, HomeOne® serves the needs of many first-time homebuyers.

HFA Advantage®

The Freddie Mac HFA Advantage® mortgage is a conventional mortgage product available exclusively to housing finance agencies (HFAs) seeking strategic solutions to diversify their product offerings and portfolio mix.

Affordable Lending Mortgage Products and Solutions

Discover mortgage solutions to help your clients overcome common homeownership barriers and fit their unique borrower eligibility.

Home Possible® Income and Property Eligibility Tool

Find out instantly whether a borrower and property may qualify for a Home Possible® mortgage.

Area Median Income and Property Eligibility Tool

To help you determine whether a loan may be eligible for a credit fee cap, enter a property's address to find out the AMI% for that location and whether your borrowers meet the AMI% requirements for certain Freddie Mac mortgage products.

Housing Professionals

The Housing Professionals Resource Center provides a centralized hub for housing professionals to efficiently search, navigate and access relevant information offered within the Single-Family site.

Real Estate Professionals

Find the tools, resources, and information you need to stay current on housing topics, be a knowledge source, and enhance your role as a trusted advisor.

Freddie Mac Borrower Help Centers

The Borrower Help Center network is a single-source of mortgage help, with HUD-certified housing counselors providing assistance to borrowers.

My Home by Freddie Mac®

Whether your borrowers rent, own, or plan to buy, we offer the resources to help make informed decisions and support their success.

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