My Mortgage, Inc. offers national conforming & high balance mortgage loans up to the subject property county limits for Fannie Mae and Freddie Mac.  

What’s more, My Mortgage, Inc. offers a portfolio of products including:

• interest rate reduction refinance 
• cash-out, 
• renovation & complete rehabilitation for purchase or refinance, 
• Refinow (for low to moderate income borrowers), 
• HomeReady/HomePossible for low to moderate income borrowers with as little as 3% down payment. Further FNMA/Freddie offer financing for 1-4 unit residential properties, Warrantable Condominiums, Manufactured Housing & Marketable Unique Properties.  

FNMA HomeReady / Freddie Mac HomePossible

• Purchase or Refinance
• Low income
• First-time or repeat homebuyers
• Limited cash for down payment
• Credit score ≥ 620; borrowers with credit scores ≥ 680 may get even better pricing
• Supplemental boarder or rental income
• Looking to purchase or refinance

FNMA HomeStyle/ Freddie Mac Choice Renovation

• Purchase or Refinance
• Renovation Mortgage
• Repairs & Energy Updates
• Landscaping
• Luxury Upgrades
  • Restore your home to like new conditions or turn the home you’re purchasing into your dream house. 

FNMA RefiNow/  Freddie Mac HomeOne

• Easier and less expensive way to qualify for a lower mortgage payment
• DTI up to 65%
• Designed for borrowers at or below 80% of the area median income

FNMA Construction to Perm One Time Close

• Own a lot or purchase a lot
• Construction Financing
• Permanent Mortgage
  • Combine all three bullet points above into one settlement with FNMA construction to permanent home loan & build the home of your dreams. 

Ineligible Property Types:

• Vacant land or land development properties;
• Properties that are not readily accessible by roads that meet local standards;
• Agricultural properties, such as farms or ranches;
• Units in condo or co-op hotels  (Warrantable Projects – call for details)
• Properties that are not secured by real estate such as, houseboats, boat slips, timeshares, and Other forms of property that are not real estate 
• Boarding houses;
• Bed and breakfast properties; or
• Properties that are not suitable for year-round occupancy regardless of location.

Eligible Properties

1-4 unit Primary, Second Home & Investment Properties that are Detached, Semi-Detached & Attached 

• on an individual lot,
• in a condo project,
• in a co-op project, or
• in a planned unit development (PUD) or subdivision project.