Many low-down-payment programs — including Fannie Mae HomeReady and Freddie Mac Home Possible — require an approved homebuyer education course before closing. Complete the right course early so it never delays your closing.
Your loan program determines which course you need. Both options below open in a new tab — save your completion certificate and share it with Ryan and Steve.
Fannie Mae's free online homebuyer education course. Required for many HomeReady and other low-down-payment Fannie Mae loans when LTV exceeds 95%.
Start Fannie Mae HomeViewFreddie Mac's CreditSmart Homebuyer U® program. Approved for Home Possible and other Freddie Mac low-down-payment financing that requires education before closing.
Start Freddie Mac CreditSmartHomebuyer education is commonly required when you use a low-down-payment conventional loan — especially HomeReady or Home Possible with 3% down (LTV above 95%). For our down payment assistance programs, Homebuyer Education (HBE) is required if all borrowers are first-time homebuyers.
At least one occupying borrower usually needs to finish the course and upload a completion certificate before clear-to-close. Most online courses take a few hours and can be completed on your schedule.
Not every loan requires education. Ryan and Steve confirm whether your specific program needs HomeView, CreditSmart, or another approved provider — so you only take the course your underwriter will accept.
Ryan and Steve will confirm the education requirement for your loan program and point you to the right course — before it becomes a last-minute closing item.
HomeReady is a registered trademark of Fannie Mae. Home Possible and CreditSmart are registered trademarks of Freddie Mac. All loans are subject to credit and property approval. Program guidelines are subject to change without notice. This website is not affiliated with or endorsed by Fannie Mae, Freddie Mac, or any government agency. Information is for educational purposes only and is not a commitment to lend.