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HomeOneSM Program

An option to make home buying easier

The Freddie Mac HomeOne program is available to qualified first-time homebuyers. With a low down payment of just 3 percent, the HomeOne mortgage is a low down payment option that serves the needs of many first-time homebuyers. With more flexibility for maximum financing, HomeOne provides expanded opportunity and creates certainty for borrowers.

To Start an Application or Talk to an Expert:

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      Low down payment

    • Percent Sign in Circle

      Competitive interest rate

    • Lock

      Set interest rate for the life of the loan

    • Calendar

      Fixed monthly principal and interest payment

  • A Smart Low-Down-Payment Option:

    The HomeOne program from Freddie Mac allows FNB to help more first-time homebuyers achieve the milestone of homeownership, regardless of their income levels or geographic location. HomeOne reflects our dedication to responsible lending, sustainable homeownership and improving access to credit.1

    What is Freddie Mac?

    The Federal Home Loan Mortgage Corporation, commonly known as Freddie Mac, is a U.S. government-sponsored enterprise that provides mortgage financing and special programs for mortgage lenders like FNB.2

    Key Features:

    • Set interest rate for the life of the loan
    • Low down payment
    • Fixed monthly principal and interest payment
    • Multiple repayment terms available

    Key Benefits:

    • No geographic or income restrictions on the borrower
    • Education requirements that promote informed and responsible homeownership
    • Eligible for single family homes, including townhouses and condos
    • Interest rate doesn’t change over time
    • Interest may be tax deductible3

    Great For:

    • First-time homebuyers
    • Borrowers who need flexible financing
    • People purchasing single family homes, including townhouses and condos

  • Applying for a HomeOneSM Mortgage:

    Whether you would like to get pre-approved or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your cart. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Getting Prepared

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

With any account, you also get the latest in digital technology:

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Notices & Disclosures

1 - All loan products are subject to underwriting/credit approval.
2 - FNB is an Equal Housing Lender; NMLS #766529.
3 - Interest may be deductible; check with your tax advisor.

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