CINXE.COM
CreditSmart
<!DOCTYPE html> <html lang="en" dir="ltr" prefix="og: https://ogp.me/ns#"> <head> <meta charset="utf-8" /> <meta name="description" content="Our online credit education and financial literacy curriculum can be your guide to better credit, money management and responsible homeownership." /> <meta name="keywords" content="Credit education, financial literacy, credit building, better credit, improve credit" /> <link rel="canonical" href="https://myhome.freddiemac.com/resources/creditsmart" /> <link rel="image_src" href="https://freddiemac.widen.net/content/cbnrivtnmf/jpeg/CC_MH_15647_resources.jpg" /> <meta property="og:type" content="website" /> <meta property="og:url" content="https://myhome.freddiemac.com/resources/creditsmart" /> <meta property="og:title" content="CreditSmart" /> <meta property="og:description" content="Our online credit education and financial literacy curriculum can be your guide to better credit, money management and responsible homeownership." /> <meta property="og:image" content="https://freddiemac.widen.net/content/healfs4mty/png/CC_MH_15467_resources2.jpg" /> <meta property="og:locale" content="en_US" /> <meta name="twitter:card" content="summary" /> <meta name="twitter:description" content="Our online credit education and financial literacy curriculum can be your guide to better credit, money management and responsible homeownership." /> <meta name="twitter:site" content="@FreddieMac" /> <meta name="twitter:title" content="CreditSmart" /> <meta name="twitter:image" content="https://freddiemac.widen.net/content/healfs4mty/png/CC_MH_15467_resources2.jpg" /> <meta name="theme-color" content="#8CC152" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <link rel="icon" href="/sites/g/files/ynjofi136/themes/site/myhome_theme/favicon.ico" type="image/vnd.microsoft.icon" /> <title>CreditSmart</title> <link rel="stylesheet" media="all" href="/sites/g/files/ynjofi136/files/css/css_8RwbL4u16783g5pOCnd51k8389jPVg8-UdPfV5h63uI.css?delta=0&language=en&theme=myhome_theme&include=eJxVzEEKAyEMBdALyXik4TsGtU0mIVGot283pXT7Fi92TJJcEJRkdxU6ZyehPLfRc8x_bKwFnC51ytWXgQ888EoGR3NYjy__5Fi3rcIjOtXUVBt_NscdjKme64iLMYT8De8JNtM" /> <link rel="stylesheet" media="all" href="/sites/g/files/ynjofi136/files/css/css_aoWaNV1UbF0tIvtaUpYvFjVQ3t_Dvis7jjBrKRpMB7I.css?delta=1&language=en&theme=myhome_theme&include=eJxVzEEKAyEMBdALyXik4TsGtU0mIVGot283pXT7Fi92TJJcEJRkdxU6ZyehPLfRc8x_bKwFnC51ytWXgQ888EoGR3NYjy__5Fi3rcIjOtXUVBt_NscdjKme64iLMYT8De8JNtM" /> <link rel="stylesheet" media="all" href="https://use.typekit.net/izj2zwr.css" /> <script type="application/json" data-drupal-selector="drupal-settings-json">{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/526","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"csp":{"nonce":"8cy1P2Fw-m4tLlbNgZP7zg"},"gtm":{"tagId":null,"settings":{"data_layer":"dataLayer","include_classes":false,"allowlist_classes":"google\nnonGooglePixels\nnonGoogleScripts\nnonGoogleIframes","blocklist_classes":"customScripts\ncustomPixels","include_environment":false,"environment_id":"","environment_token":""},"tagIds":["GTM-KZFS9PD"]},"gtag":{"tagId":"","consentMode":false,"otherIds":[],"events":[],"additionalConfigInfo":[]},"ajaxPageState":{"libraries":"eJxVyVEKxCAMRdENiS6pxBqinaSRRKHufvo1gz8P7nmkSozHAEr0TqC9I1zw7Ci_NLidYail0vxkaIIWZFWV96womE41PC7fkVgz8G5jdfy0EToYkEGvnorNDhz_EufdZ-bmFUvw5QMlZXD8Ah69TG8","theme":"myhome_theme","theme_token":null},"ajaxTrustedUrl":[],"googleTranslatorDisclaimer":{"selector":".google-translator-switch","displayMode":"SIMPLE","disclaimerTitle":"Google Translate Disclaimer","disclaimer":"Automatic translation of this website is provided by Google Translate for informational purposes only. Freddie Mac does not ensure the accuracy of the translations provided by Google Translate. In the event of a discrepancy between the original English version and any translation provided by Google Translate, the original English version is the official version. Freddie Mac is not responsible for any errors or damages that result from the translations generated by the Google Translate function. ","acceptText":"Accept","dontAcceptText":"Do Not Accept","element":"\u003Cspan id=\u0022google_translator_element\u0022\u003E\u003C\/span\u003E\n\u003Cscript src=\u0022\/\/translate.google.com\/translate_a\/element.js?cb=Drupal.behaviors.googleTranslatorElement.init\u0022\u003E\u003C\/script\u003E\n"},"googleTranslatorElement":{"id":"google_translator_element","langcode":"en","languages":"zh-TW,en,tl,ko,es,vi","displayMode":"SIMPLE"},"user":{"uid":0,"permissionsHash":"0a5c1cfc13fad1f9c66e351714139efbb988b9f0b19a877d01e80c24d271238c"}}</script> <script src="/sites/g/files/ynjofi136/files/js/js_W9IPAoJDMdsdUNHiTWpFAya56DcQDaKb3-LBkq_bp1s.js?scope=header&delta=0&language=en&theme=myhome_theme&include=eJxdyEEOgCAMBMAPEXkSWbEpkNYmLQf9vZ6MepzRs5lSmY2UMoutkKTvq-ZURiQ2Y7kTnHnql-C_FwwcTzr2EEzzvPWogq7kF0E8Lzo"></script> <script src="/modules/contrib/google_tag/js/gtm.js?sna4rv"></script> <script src="/modules/contrib/google_tag/js/gtag.js?sna4rv"></script> <script src="/sites/g/files/ynjofi136/files/js/js_AeIz8xKzYIT7YuHwmvihtMriCKqtxhXV-oHnsRRthC0.js?scope=header&delta=3&language=en&theme=myhome_theme&include=eJxdyEEOgCAMBMAPEXkSWbEpkNYmLQf9vZ6MepzRs5lSmY2UMoutkKTvq-ZURiQ2Y7kTnHnql-C_FwwcTzr2EEzzvPWogq7kF0E8Lzo"></script> </head> <body> <a href="#main-content" class="visually-hidden focusable"> Skip to main content </a> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-KZFS9PD" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <div class="dialog-off-canvas-main-canvas" data-off-canvas-main-canvas> <div class="layout-container resources"> <div class="ribbon-wrapper fluid-at-xlarge" id="ribbon"> <div id="ribbon-nav" class="grid-x ribbon-nav" data-toggler=".is-mobile-expanded"> <div class="cell auto"> <a id="mobile-ribbon-trigger" class="hide-for-xlarge menu-container" role="button" data-toggle="menu-container ribbon-nav" tabindex="0">Freddie Mac Home <div class="ribbon-icon"> <span class="icon-chevron-down accent-blue"></span> </div> </a> <span class="show-for-sr">View our other sites</span> <nav id="menu-container" aria-label="Our Other Sites" class="hide" data-toggler=".show-for-xlarge"> <div class="gutter-right-xlarge"> <ul id="ribbon-accordion" class="menu vertical xlarge-horizontal" data-responsive-menu="accordion xlarge-dropdown" data-multi-open="false" data-slide-speed="200" data-disable-hover="true" data-click-open="true"> <li role="none"> <a role="menuitem" href="https://www.freddiemac.com" >Freddie Mac Home</a> </li> <li role="none"> <a role="menuitem" href="https://sf.freddiemac.com/" >Single Family Division</a> </li> <li role="none"> <a role="menuitem" href="https://mf.freddiemac.com/" >Multifamily Division</a> </li> <li role="none"> <a role="menuitem" href="https://capitalmarkets.freddiemac.com" >Capital Markets Division</a> </li> <li role="none"> <a href="javascript:void(0);"><span class="show-for-sr">View sites for </span> Renters, Buyers and Owners <span class="icon-chevron-down accent-blue"></span> </a> <ul class="vertical menu ribbon-links"> <li> <a href="/resources/loanlookup"> <p>Do we own your mortgage?</p> <span>Find out if Freddie Mac owns your loan using our secured lookup tool.</span> </a> </li> <li> <a href="/renting/lookup"> <p>Did we finance your apartment?</p> <span>Use our lookup tool to see if Freddie Mac financed your apartment building.</span> </a> </li> <li> <a href="https://creditsmart.freddiemac.com/"> <p>CreditSmart庐</p> <span>Financial and homeownership education resources all about you.</span> </a> </li> </ul> </li> </ul> </div> </nav> </div> <div class="cell shrink text-right align-self-middle"> <div class="translation-wrapper"> <div id="block-googletranslator"> <a href="#" class="notranslate google-translator-switch">Translate</a> </div> </div> </div> </div> </div> <div id="top-menu" class="top-menu clearfix" style="display: none;"> <div class="grid-container gutter-top gutter-bottom"> <div class="grid-x grid-padding-x"> <div class="cell small-12 medium-10 large-6 medium-centered"> <div class="nav-search" id="nav-search"> <form role="search" class="position-relative" action="/search-results" method="get" accept-charset="utf-8"> <input id="mobile-search" name="query" type="search" placeholder="Site Search" aria-label="Search field" required="" maxlength="100"> <button type="submit" class="center-vertically search-button" aria-label="Search"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" viewBox="0 -1.6 20 20"><g fill="none" fill-rule="evenodd" stroke="#343434" stroke-width="2" transform="translate(2 1)"><circle cx="10" cy="7" r="7"></circle><path stroke-linecap="square" d="M4.5 12L0 16"></path></g></svg> </button> </form> </div> </div> </div> <div class="grid-x grid-padding-x"> <div class="cell small-12 medium-10 large-12 medium-centered"> <div class="flex-container flex-dir-column nav-hamburger-wrapper half-gutter-top text-center"> <nav class="gutter-bottom"> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-buying" id="hamburger-button-buying"> <p><img alt="Buying" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/buying.svg"></p> Buying </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-owning" id="hamburger-button-owning"> <p><img alt="Owning" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/owning.svg"></p> Owning </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-refinancing" id="hamburger-button-refinancing"> <p><img alt="Refinancing" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/refinancing.svg"></p> Refinancing </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-selling" id="hamburger-button-selling"> <p><img alt="Selling" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/selling.svg"></p> Selling </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-renting" id="hamburger-button-renting"> <p><img alt="Renting" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/renting.svg"></p> Renting </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-getting-help" id="hamburger-button-getting-help"> <p><img alt="Getting Help" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/getting-help.svg"></p> Getting Help </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-blog" id="hamburger-button-blog"> <p><img alt="Blog" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/blog.svg"></p> Blog </button> <button class="nav-hamburger-tile" type="button" data-toggle="nav-menu-toggle submenu-wrapper subnav-resources" id="hamburger-button-resources"> <p><img alt="Tools & Resources" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/resources.svg"></p> Tools & Resources </button> </nav> </div> </div> </div> </div> </div> <div id="page-header" class="page-header"> <a class="inline-block logo-wrapper" href="/"><img alt="My Home by Freddie Mac homepage" src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/logo-my-home.svg" width="47" height="150"></a> </div> <div id="nav-menu" class="nav-menu"> <div class="float-right nav-buttons"> <button id="nav-menu-toggle" type="button" class="nav-menu-toggle" data-toggler="submenu-open"><span class="show-for-sr">Toggle </span> <span class="nav-menu-text nav-toggle-text">Menu</span><svg class="nav-menu-icon" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 21 18"> <g stroke-width="2" fill="none"> <line class="line bottom" x1="0" y1="9" x2="21" y2="9"/> <line class="line middle" x1="0" y1="9" x2="21" y2="9"/> <line class="line top" x1="0" y1="9" x2="21" y2="9"/> </g> </svg> </button> <button tabindex="-1" id="nav-search-toggle" type="button" class="nav-search-toggle" aria-hidden="true"><span class="nav-menu-text">Search</span><svg class="nav-search-icon" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 19"> <g fill="none" stroke-width="2" transform="translate(2 1)"><circle cx="10" cy="7" r="7"/> <path stroke-linecap="square" d="M4.5 12L0 16"/></g></svg> </button> </div> </div> <div id="submenu-wrapper" class="submenu-wrapper"> <nav id="desktop-menu" class="desktop-menu show-for-xlarge"> <ul role="list" class="menu weight-medium align-right"> <!-- I am block-myhome-theme-main-menu --> <li role="listitem" class="position-relative"> <a id="desktop-nav-buying" class="color-inherit desktop-nav buying" href="/buying"> Buying </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-owning" class="color-inherit desktop-nav owning" href="/owning"> Owning </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-refinancing" class="color-inherit desktop-nav refinancing" href="/refinancing"> Refinancing </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-selling" class="color-inherit desktop-nav selling" href="/selling"> Selling </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-renting" class="color-inherit desktop-nav renting" href="/renting"> Renting </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-getting-help" class="color-inherit desktop-nav getting-help" href="/getting-help"> Getting Help </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-blog" class="color-inherit desktop-nav blog" href="/blog"> Blog </a> </li> <li role="listitem" class="position-relative"> <a id="desktop-nav-resources" class="color-inherit desktop-nav resources" href="/resources"> Tools & Resources </a> </li> <li role="listitem" class="position-relative nav-buttons-desktop"> <a id="desktop-nav-search" href="/search-results" class="color-inherit desktop-nav search"> <span class="show-for-sr">Search</span> <svg class="nav-search-icon" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 19"> <g fill="none" stroke-width="2" transform="translate(2 1)"> <circle cx="10" cy="7" r="7"></circle> <path stroke-linecap="square" d="M4.5 12L0 16"></path> </g> </svg> </a> </li> </ul> </nav> <div role="menu" class="submenu buying" id="subnav-buying" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-buying nav-menu-toggle submenu-wrapper" id="subnav-back-buying"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/buying" title="Buying"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Buying Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/what-can-you-afford" title="What can you afford"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>What can you afford</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/down-payments-and-pmi" title="Down payments and PMI"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Down payments and PMI</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-your-team" title="Finding your team"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding your team</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/finding-the-right-home" title="Finding the right home"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Finding the right home</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/making-your-offer" title="Making your offer"> <div class="eyebrow"> Step 6 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Making your offer</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/inspecting-and-appraising-your-home" title="Inspecting and appraising"> <div class="eyebrow"> Step 7 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Inspecting and appraising</div> </a> </li> <li role="listitem"> <a class="block" href="/buying/closing-your-loan-when-buying" title="Closing your loan"> <div class="eyebrow"> Step 8 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-buying.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu owning" id="subnav-owning" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-owning nav-menu-toggle submenu-wrapper" id="subnav-back-owning"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/owning" title="Owning"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Owning Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-responsibilities" title="Your responsibilities"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your responsibilities</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-homes-value" title="Your home's value"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your home's value</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/home-maintenance" title="Maintaining your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Maintaining your home</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/homeownership-costs" title="Homeownership costs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Homeownership costs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu refinancing" id="subnav-refinancing" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-refinancing nav-menu-toggle submenu-wrapper" id="subnav-back-refinancing"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/refinancing" title="Refinancing"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Refinancing Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/planning-to-refinance" title="Planning to refinance"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Planning to refinance</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/costs-of-refinancing" title="Costs of refinancing"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Costs of refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/options-for-refinancing" title="Options for refinancing"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Options for refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/closing-your-loan" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu selling" id="subnav-selling" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-selling nav-menu-toggle submenu-wrapper" id="subnav-back-selling"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/selling" title="Selling"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Selling Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/working-with-your-agent" title="Working with your agent"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Working with your agent</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/costs-of-selling" title="Costs of selling"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Costs of selling</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/preparing-to-sell-your-home" title="Preparing to sell your home"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Preparing to sell your home</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/negotiating-offers" title="Negotiating offers"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Negotiating offers</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/closing-your-loan-when-selling" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu renting" id="subnav-renting" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-renting nav-menu-toggle submenu-wrapper" id="subnav-back-renting"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/renting" title="Renting"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Renting Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/what-can-you-afford" title="What can you afford"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>What can you afford</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/preparing-to-rent" title="Preparing to rent"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Preparing to rent</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/finding-the-right-rental" title="Finding the right rental"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Finding the right rental</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/applying-for-a-lease" title="Applying for a lease"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Applying for a lease</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/before-you-sign" title="Know before you sign"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Know before you sign</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu getting-help" id="subnav-getting-help" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-getting-help nav-menu-toggle submenu-wrapper" id="subnav-back-getting-help"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/getting-help" title="Getting Help"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Getting Help Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/assessing-your-situation" title="Assessing your financial situation"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Assessing your financial situation</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/who-to-contact-for-help" title="Who to contact for help"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Who to contact for help</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-stay" title="Options to stay in your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to stay in your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-leave" title="Options to leave your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to leave your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/natural-disasters" title="Help after a natural disaster"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Help after a natural disaster</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/avoiding-fraud" title="Avoiding fraud"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Avoiding fraud</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/borrower-notification-letter-faqs" title="Borrower notification letter FAQs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Borrower notification letter FAQs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu blog" id="subnav-blog" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-blog nav-menu-toggle submenu-wrapper" id="subnav-back-blog"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/blog" title="Blog"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Blog Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/financial-education" title="Financial Education"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Financial Education</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/homebuying" title="Homebuying"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Homebuying</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/homeownership" title="Homeownership"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Homeownership</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/refinancing" title="Refinancing"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/rental-housing" title="Rental Housing"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Rental Housing</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/selling" title="Selling"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>Selling</div> </a> </li> <li role="listitem"> <a class="block" href="/blog/blog-archive" title="All Blogs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-blog.svg" alt=""> </div> <div>All Blogs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu resources" id="subnav-resources" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-resources nav-menu-toggle submenu-wrapper" id="subnav-back-resources"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/resources" title="Tools & Resources"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Tools & Resources Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/calculators" title="Calculators & Worksheets"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Calculators & Worksheets</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/quizzes" title="Quizzes"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Quizzes</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/glossary" title="Glossary"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Glossary</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/brochures" title="Brochures"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Brochures</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/working-with-freddie-mac-borrower-help-centers" title="Borrower Help Centers"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Borrower Help Centers</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/renter-resource-organizations" title="Renter Resource Organizations"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Renter Resource Organizations</div> </a> </li> <li role="listitem"> <a class="block" href="/resources/creditsmart" title="CreditSmart"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>CreditSmart</div> </a> </li> <li role="listitem"> <a class="block" href="/myhome-subscription" title="Subscribe to My Home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Subscribe to My Home</div> </a> </li> </ul> </div> </div> </div> <div class="submenu search show-for-xlarge" id="subnav-search" style="display: none;" tabindex="-1"> <div class="grid-x gutter-top"> <div class="cell large-9 large-centered gutter-top"> <div class="nav-search" id="nav-search-desktop"> <form role="search" class="position-relative" action="/search-results" method="get" accept-charset="utf-8"> <input class="desktop-search" name="query" type="search" placeholder="Type search entry..." aria-label="Search field" required="" maxlength="100"> <button type="submit" class="center-vertically search-button" aria-label="Search"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" viewBox="0 -1.6 20 20"> <g fill="none" fill-rule="evenodd" stroke="#343434" stroke-width="2" transform="translate(2 1)"> <circle cx="10" cy="7" r="7"></circle> <path stroke-linecap="square" d="M4.5 12L0 16"></path> </g> </svg></button> </form> </div> </div> </div> </div> </div> <div id="content-wrapper" class="content-wrapper clearfix"> <div data-drupal-messages-fallback class="hidden"></div> <main role="main"> <a id="main-content" tabindex="-1"></a> <div class="layout-content"> <div id="block-myhome-theme-content"> <div class="content"> <div class="hero-wrapper "> <div class="hero"> <div class="hero-background" style="background-image: url(https://freddiemac.widen.net/content/cbnrivtnmf/jpeg/CC_MH_15647_resources.jpg?); background-position: 80% 10%;"> </div> </div> </div> <div> <div class="nav-contextual-wrapper half-gutter-top gutter-bottom show-for-large"> <nav class="text-center nav-contextual" role="navigation"> <a id="resources-calculators-tile" href="/resources/calculators" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Calculators & Worksheets</div> </a> <a id="resources-quizzes-tile" href="/resources/quizzes" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Quizzes</div> </a> <a id="resources-glossary-tile" href="/resources/glossary" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Glossary</div> </a> <a id="resources-brochures-tile" href="/resources/brochures" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Brochures</div> </a> <a id="resources-working-with-freddie-mac-borrower-help-centers-tile" href="/resources/working-with-freddie-mac-borrower-help-centers" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Borrower Help Centers</div> </a> <a id="resources-renter-resource-organizations-tile" href="/resources/renter-resource-organizations" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Renter Resource Organizations</div> </a> <a id="resources-creditsmart-tile" href="/resources/creditsmart" class="nav-tile is-active"> <div class="eyebrow gutter-bottom"> </div> <div>CreditSmart</div> </a> <a id="myhome-subscription-tile" href="/myhome-subscription" class="nav-tile"> <div class="eyebrow gutter-bottom"> </div> <div>Subscribe to My Home</div> </a> </nav> </div> <div class="gutter-left gutter-right hide-for-large nav-mobile-wrapper clearfix"> <a id="contextual-dropnav-trigger" class="block nav-mobile-label text-center" data-toggle="contextual-subnav" aria-controls="contextual-subnav" data-is-focus="false" data-yeti-box="contextual-subnav" aria-haspopup="true" aria-expanded="false"> <span id="contextual-dropnav-label">CreditSmart</span><br> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.25rem; height:1.25rem" viewbox="0 0 50 50"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="14" x2="25" y2="35"></line> <line x1="48" y1="14" x2="25" y2="35"></line> </g> </svg> </a> </div> <div class="subnav-wrapper clearfix hide-for-large"> <nav id="contextual-subnav" class="dropdown-pane has-position-bottom has-alignment-left" data-dropdown="mjl6xk-dropdown" role="navigation" aria-labelledby="contextual-dropnav-trigger" aria-hidden="false" data-yeti-box="contextual-subnav" data-resize="contextual-subnav" data-events="resize" style="top: -22px; left: 0px;"> <ul class="menu vertical"> <li id="resources-calculators-mobile" class=""> <a id="resources-calculators-dropdown" class="block" href="/resources/calculators" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Calculators & Worksheets</div> </a> </li> <li id="resources-quizzes-mobile" class=""> <a id="resources-quizzes-dropdown" class="block" href="/resources/quizzes" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Quizzes</div> </a> </li> <li id="resources-glossary-mobile" class=""> <a id="resources-glossary-dropdown" class="block" href="/resources/glossary" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Glossary</div> </a> </li> <li id="resources-brochures-mobile" class=""> <a id="resources-brochures-dropdown" class="block" href="/resources/brochures" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Brochures</div> </a> </li> <li id="resources-working-with-freddie-mac-borrower-help-centers-mobile" class=""> <a id="resources-working-with-freddie-mac-borrower-help-centers-dropdown" class="block" href="/resources/working-with-freddie-mac-borrower-help-centers" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Borrower Help Centers</div> </a> </li> <li id="resources-renter-resource-organizations-mobile" class=""> <a id="resources-renter-resource-organizations-dropdown" class="block" href="/resources/renter-resource-organizations" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Renter Resource Organizations</div> </a> </li> <li id="resources-creditsmart-mobile" class="is-active"> <a id="resources-creditsmart-dropdown" class="block" href="/resources/creditsmart" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>CreditSmart</div> </a> </li> <li id="myhome-subscription-mobile" class=""> <a id="myhome-subscription-dropdown" class="block" href="/myhome-subscription" title=""> <div class="eyebrow"> </div> <div aria-hidden="true" class="float-right"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-resources.svg" alt=""> </div> <div>Subscribe to My Home</div> </a> </li> </ul> </nav> </div> </div> <div class="breadcrumb-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="large-12 cell"> <div class="grid-x grid-padding-x"> <div class="large-8 medium-10 medium-centered cell"> <nav class="text-center" aria-label="You are here:" role="navigation"> <ol class="breadcrumbs inline-block" vocab="http://schema.org/" typeof="BreadcrumbList"> <li property="itemListElement" typeof="ListItem"> <a property="item" typeof="WebPage" href="/"> <span property="name">Home</span> </a> <meta content="1" property="position" /> </li> <li property="itemListElement" typeof="ListItem"> <a property="item" typeof="WebPage" href="/resources"> <span property="name">Tools & Resources</span> </a> <meta content="2" property="position" /> </li> <li> <span class="show-for-sr">Current:</span> CreditSmart </li> </ol> </nav> </div> </div> </div> </div> </div> </div> <div class="share-widget-wrapper hide-for-print"> <div id="share-widget" class="share-widget" data-toggler=".share-open"> <div class="uppercase rotate hide-for-medium"> <a class="color-inherit" data-toggle="share-widget" href="javascript:void(0);">share</a> </div> <div class="uppercase rotate show-for-medium">share</div> <div class="share-links text-center"> <a class="social-twitter" href="https://twitter.com/intent/tweet/?text=https://myhome.freddiemac.com&via=freddiemac" aria-label="share on twitter"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.5625rem;height:1.3125rem" viewbox="0 0 25 25"> <path d="m14.8 10.6 9-10.6h-2.2l-7.8 9.2L7.4 0H.2l9.5 13.9L.2 25h2.2l8.3-9.7 6.7 9.7h7.3l-9.9-14.4zm-3 3.5-.9-1.4L3.2 1.6h3.3l6.2 8.9.9 1.4 8.1 11.6h-3.3l-6.6-9.4z"/> </svg> </a> <a class="social-facebook" href="https://www.facebook.com/sharer/sharer.php?u=https://myhome.freddiemac.com" aria-label="share on facebook"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:0.6875rem;height:1.5625rem" viewbox="0 0 11 25"> <path d="M10.494 4.18S6.72 2.742 6.72 5.67v2.214h3.683l-.327 3.657H6.72V24H2.21V11.541H0V7.884h2.21V4.038S2.163 1.068 5.87.213C8.47-.39 11 .478 11 .478l-.506 3.703z"/> </svg> </a> <a class="social-linkedin" data-location="http://www.freddiemac.com" href="https://www.linkedin.com/" aria-label="share on linkedin"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="width:1.5rem;height:1.5625rem" viewbox="0 0 24 25"> <path d="M2.955 5.657c1.842 0 2.99-1.24 2.99-2.79C5.91 1.285 4.796.08 2.99.08 1.182.08 0 1.284 0 2.868c0 1.549 1.147 2.789 2.92 2.789h.035zM.312 24h5.285V7.86H.312V24z"/><g transform="translate(8.000000, 8.000000)"><path d="M.013 16H5.23V7.284c0-.466.034-.933.172-1.266.377-.932 1.235-1.898 2.676-1.898 1.888 0 2.643 1.432 2.643 3.53V16h5.216V7.05c0-4.793-2.573-7.024-6.006-7.024-2.814 0-4.05 1.564-4.736 2.63h.035V.391H.013C.082 1.856.013 16 .013 16"/></g> </svg> </a> <a class="social-mailto" href="/cdn-cgi/l/email-protection#f8c79a979c81c5ab90998a91969fddcac899ddcac894919693ddcac8908c8c888bc2d7d795819097959dd69e8a9d9c9c919d95999bd69b9795" aria-label="share via email"> <svg class="email-icon" xmlns="http://www.w3.org/2000/svg" style="width:1.4375rem;height:1.5625rem" viewbox="0 -6 23 25"> <path d="M.58438113 1.92336043l4.16516983 3.76204879C9.81872345 10.23637999 11.3827609 11.5 11.94 11.5l.0608686-.0041748c.76218-.100621 2.8379824-2.0540277 10.4265313-9.52116323C22.4755803 2.14088495 22.5 2.31759071 22.5 2.5v12c0 1.1045695-.8954305 2-2 2h-18c-1.1045695 0-2-.8954305-2-2v-12c0-.20046961.02949463-.39405038.08438113-.57663957zM20.5.5c.1748239 0 .3444089.02243095.5060337.06457182l-2.2037301 2.16287676c-1.4876156 1.45380391-2.7553931 2.68218835-3.8030952 3.68493488l-1.3600055 1.29121672-.9616122.89311653c-.1113116.1017866-.2158461.19664199-.313585.28455058l-.4440896.39200576-.5090941-.41639415-.7229104-.61180981c-.3380784-.28952737-.72216527-.62225595-1.15198425-.99797185L7.24259867 5.22128865 4.2875924 2.57415536C3.58578763 1.94237455 2.83953239 1.26878644 2.04884464.55340631 2.19279445.51778736 2.34432.5 2.5.5h18z"/> </svg> </a> </div> </div> </div> <article class="grid-container"> <div class="grid-x grid-padding-x"> <div class="large-8 medium-10 medium-centered cell gutter-bottom"> <div class="text-center gutter-all-large"> <h1>CreditSmart<sup>庐</sup></h1> <p class="lead gutter-bottom">Education has power, and it鈥檚 in your hands with CreditSmart鈥檚 free housing and financial capability resources. Whether you're renting a home, on the path to homeownership or saving for the future, the CreditSmart suite of financial education resources has something for you.</p> <hr> </div> </div> <div class="large-8 medium-10 medium-centered cell"> <div> <div> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <div><h2 class="section-header no-margin-top">Learning Paths</h2> <h3><a href="https://creditsmart.freddiemac.com/paths/essentials">CreditSmart<sup>庐</sup> Essentials</a></h3> <p>CreditSmart Essentials is a customizable and free online course series that has all the tools and lessons you need to help achieve your financial goals, while you learn at your own pace. </p> <p>CreditSmart Essentials is also <a href="https://creditsmart.freddiemac.com/espanol/paths/dinero-y-credito/">available in Spanish</a>.</p> <h3><a href="https://creditsmart.freddiemac.com/paths/homebuyer-u/">CreditSmart<sup>庐</sup> Homebuyer U</a></h3> <p>CreditSmart Homebuyer U is a comprehensive education course to help you prepare for homeownership, whether you're ready to buy or still exploring your options. The course offers six modules focused on money management, credit, getting a mortgage, the homebuying process and preserving homeownership. </p> <p>Homebuyer U is also for those who need a certificate to qualify for a HomeOne<sup>SM</sup> or Home Possible<sup>庐</sup> mortgage.</p> <h3><a href="https://creditsmart.freddiemac.com/paths/military/">CreditSmart<sup>庐</sup> Military</a></h3> <p>CreditSmart<sup>庐</sup> Military provides resources to help current and past service members prepare financially for deployment, avoid targeted financial schemes and learn to manage money while in the military. </p> <h3><a href="https://creditsmart.freddiemac.com/paths/multilingual/">CreditSmart<sup>庐 </sup>Multilingual</a></h3> <p>The CreditSmart suite offers resources in multiple languages, including Spanish, Chinese, Vietnamese and Korean. Download the materials, explore our online resources.</p> <h3><a href="https://creditsmart.freddiemac.com/paths/coach/">CreditSmart<sup>庐</sup> Coach</a></h3> <p>This interactive experience will help you become a certified facilitator for the CreditSmart financial capability curriculum.</p> <p>Learn more about the full <a href="https://creditsmart.freddiemac.com/">CreditSmart suite</a> of financial and homeownership education resources.</p> <p> </p> </div> </div> </div> <div><div class="flex-video widescreen"> <iframe width="100%" src="https://www.youtube-nocookie.com/embed/xsk7c0kGGaA?si=kSB_RoCWXlnHrHgc" rel="0" frameborder="0" title="Improving the Odds: How Credit Building Opens Doors to Homeownership" allowfullscreen></iframe> </div> </div> </div> </div> </div> </article> </div> <!-- End div class content. --> </div> </div> <aside class="card-wrapper"> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="cell"> <div class="gutter-all background-white"> <div class="grid-x grid-padding-x"> <div class="large-11 xlarge-10 cell large-centered gutter-top gutter-bottom-medium"> <div class="grid-x grid-padding-x gutter-bottom"> <div class="cell text-center"> <h2>From Our Blog</h2> </div> </div> <div class="grid-x grid-padding-x grid-padding-y gutter-bottom" data-equalizer data-equalize-on="medium"> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/rental-housing/tips-and-resources-every-step-your-rental-journey"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog_renter-resources-large.png?itok=lHV_dJx3" width="640" height="480" alt="Couple carrying moving boxes and a plant" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">Tips and Resources for Every Step of Your Rental Journey</h3> <p class="half-margin-bottom">Use this guide to help you navigate the different stages of renting a home.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/homeownership/why-you-should-consider-home-energy-audit"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog_energy-audit-large.png?itok=L41Sm_ho" width="640" height="480" alt="Inspecting a home with a thermal imaging device" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">Why You Should Consider a Home Energy Audit</h3> <p class="half-margin-bottom">Energy-efficient upgrades can save you money on utilities and increase your home鈥檚 value.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> <div class="cell medium-4"> <a class="color-inherit block" href="/blog/rental-housing/4-tips-to-find-the-right-rental-unit"> <div class="card"> <div aria-hidden="true"> <img src="/sites/g/files/ynjofi136/files/styles/4x3_aspect_ratio/public/blog_picking-right-rental_unit-large.png?itok=jSh-6xRw" width="640" height="480" alt="Couple looking at a laptop in their living room" loading="lazy" /> </div> <div class="card-section background-concrete" data-equalizer-watch> <h3 class="h4 half-gutter-bottom">4 Tips to Find the Right Rental Unit</h3> <p class="half-margin-bottom">Start your housing search on the right foot by finding a rental unit that fits your needs.</p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </aside> <div id="block-myhomeinyourinbox"> <div><div class="gutter-top" style="background-color:#89C24B;color:#000;"><div class="gutter-top-medium gutter-bottom-medium"><div class="gutter-top grid-container"><div class="grid-x grid-padding-x"><div class="cell text-center"><h2 class="h1">My Home in your inbox</h2><p class="lead">Sign up to receive resources, tools and tips about buying, owning, refinancing, selling and renting a home in your inbox.</p><div><a class="button" href="/myhome-subscription">SUBSCRIBE</a></div></div></div></div></div><div> </div></div></div> </div> <footer role="navigation" class="fatfooter hide-for-print"> <div class="footer-top grid-container fluid"> <div class="grid-x"> <div class="cell xlarge-3"> <div class="logo-wrapper"> <!-- TODO?: maybe move hyperlink and logo markup to a block and width to css--> <a href="https://www.freddiemac.com"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/PrimaryLogo.svg" alt="Freddie Mac Home" width="197" height="70" style="width: 12.3125rem; height: 4.375rem;" /> </a> </div> </div> <div class="cell xlarge-9"> <div class="grid-x grid-margin-x"> <div class="cell small-order-3"> <p class="footer-notice">These webpages are for general informational purposes only. Contact your lender, your financial advisor, and/or a housing counselor for advice or information related to your specific situation.</p> </div> <div class="cell medium-6 small-order-1"> <div class="grid-x grid-margin-x"> <div class="cell large-6"> <div class="footer-top-section"> <p class="weight-medium" id="block-localfootercolumn1-menu">My Home by Freddie Mac⁠<sup>庐</sup></p> <p> <a href="/about-us" data-drupal-link-system-path="node/6"> About My Home by Freddie Mac<sup>庐</sup> </a> </p> <p> <a href="/getting-help" data-drupal-link-system-path="node/26"> Getting Help </a> </p> <p> <a href="/buying" data-drupal-link-system-path="node/141"> Buying </a> </p> <p> <a href="/owning" data-drupal-link-system-path="node/106"> Owning </a> </p> <p> <a href="/refinancing" data-drupal-link-system-path="node/226"> Refinancing </a> </p> <p> <a href="/selling" data-drupal-link-system-path="node/286"> Selling </a> </p> <p> <a href="/renting" data-drupal-link-system-path="node/301"> Renting </a> </p> </div> </div> <div class="cell large-6"> <div class="footer-top-section"> <p class="weight-medium" id="block-localfootercolumn2-menu">Resources</p> <p> <a href="/resources/loanlookup" data-drupal-link-system-path="node/3741"> Mortgage Lookup Tool </a> </p> <p> <a href="/renting/lookup" data-drupal-link-system-path="node/366"> Rental Lookup Tool </a> </p> <p> <a href="https://creditsmart.freddiemac.com/"> CreditSmart<sup>庐</sup> </a> </p> <p> <a href="/owning/borrower-notification-letter-faqs" data-drupal-link-system-path="node/2081"> Borrower Notification Letter </a> </p> </div> </div> </div> </div> <div class="cell medium-6 small-order-2"> <div class="grid-x grid-margin-x"> <div class="cell large-6"> <div class="footer-top-section"> <p class="weight-medium" id="block-localfootercolumn3-menu">Our Company</p> <p> <a href="https://www.freddiemac.com/about"> About Freddie Mac </a> </p> <p> <a href="https://www.freddiemac.com/about/business"> Our Business </a> </p> <p> <a href="https://www.freddiemac.com/about/company"> Our Mission </a> </p> <p> <a href="https://www.freddiemac.com/media-room"> Media Room </a> </p> <p> <a href="https://careers.freddiemac.com/"> Careers </a> </p> <p> <a href="https://www.freddiemac.com/investors"> Investor Relations </a> </p> <p> <a href="https://www.freddiemac.com/about/people/suppliers"> Our Suppliers </a> </p> </div> </div> <div class="cell large-6"> <div class="footer-top-section"> <p class="weight-medium" id="block-localfootercolumn4-menu">Connect With Us</p> <p> <a href="https://www.freddiemac.com/about/contact-us"> Contact Us </a> </p> <p> <a href="https://www.freddiemac.com/about/connect-with-us"> Sign up for news, tips, and insights </a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="footer-bottom grid-container fluid"> <div class="grid-x"> <div class="cell large-3 medium-4 small-order-2 medium-order-1"> <div class="copy-wrapper show-for-medium"> © 2024 <span class="no-wrap">Freddie Mac</span> </div> </div> <div class="cell large-9 medium-8 small-order-1 medium-order-2"> <ul class="flex no-bullet"> <li> <a href="https://www.freddiemac.com/terms" > Terms of Use </a> </li> <li> <a href="https://www.freddiemac.com/terms/privacy" > Privacy Policy </a> </li> <li> <a href="https://www.freddiemac.com/terms/state_privacy_notices" > State Privacy Notices </a> </li> <li> <a class="ot-sdk-show-settings" href="javascript:void(0);">Cookie Preferences</a> </li> <li> <a href="https://www.freddiemac.com/terms/state_privacy_notices#opt-out" class="plain icon-privacy" > Your Privacy Choices </a> </li> <li class="copy-wrapper hide-for-medium"> © 2024 <span class="no-wrap">Freddie Mac</span> <span class="show-for-sr">Follow us on social media</span> </li> <li class="icon"> <a aria-label="Facebook" class="connect-link" href="https://www.facebook.com/FreddieMac"> <svg viewBox="0 0 10 18" style="width:0.625rem;height:1.125rem;" aria-hidden="true" xmlns="http://www.w3.org/2000/svg"><path d="M2.5 6H0v3h2.5v9h4.167V9h3.035L10 6H6.667V4.75c0-.716.16-1 .929-1H10V0H6.827C3.83 0 2.5 1.187 2.5 3.461V6z" fill="#FFF" fill-rule="nonzero"/></svg> </a> <a aria-label="Follow us on Youtube" class="connect-link" href="https://www.youtube.com/freddiemac"> <svg aria-hidden="true" viewBox="0 0 26 18" style="width:1.625rem;height:1.125rem;" xmlns="http://www.w3.org/2000/svg"><path d="M13.456 0c.83.005 2.675.022 4.568.089l.569.021c1.893.077 3.737.207 4.565.426 1.119.296 2 1.167 2.299 2.274.48 1.776.536 5.262.542 6.035L26 8.99V9.154c-.007.774-.062 4.259-.543 6.035a3.239 3.239 0 01-2.3 2.274c-.827.219-2.671.349-4.564.426l-.569.021c-1.988.07-3.923.086-4.685.089h-.679a167.41 167.41 0 01-4.119-.07l-.566-.019c-2.082-.073-4.223-.206-5.133-.447a3.239 3.239 0 01-2.299-2.274C.063 13.413.007 9.928.001 9.154v-.309c.006-.773.061-4.259.542-6.035A3.238 3.238 0 012.842.536c.91-.24 3.05-.374 5.133-.447L8.541.07C10.228.02 11.797.005 12.544 0zM10 5v8l7-4-7-4z" fill="#FFF" fill-rule="evenodd"/></svg> </a> <a aria-label="LinkedIn" class="connect-link" href="https://www.linkedin.com/company/freddie-mac"> <svg aria-hidden="true" viewBox="0 0 18 18" style="width:1.125rem;height:1.125rem;" xmlns="http://www.w3.org/2000/svg"><path d="M14.25 0H3.75A3.75 3.75 0 000 3.75v10.5A3.75 3.75 0 003.75 18h10.5A3.75 3.75 0 0018 14.25V3.75A3.75 3.75 0 0014.25 0zM6 14H4V6h2v8zM4.5 5a1.5 1.5 0 110-3 1.5 1.5 0 010 3zM15 14h-2.4V9.924c0-2.449-3.2-2.263-3.2 0V14H7V6h2.4v1.284c1.117-1.88 5.6-2.02 5.6 1.8V14z" fill="#FFF" fill-rule="nonzero"/></svg> </a> <a aria-label="Twitter" class="connect-link" href="https://twitter.com/FreddieMac"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12 12" height="1em" style="fill:white;height:1.125rem; width:1.125rem;"> <path d="M1.7,0C0.7,0,0,0.7,0,1.7v8.6C0,11.2,0.7,12,1.7,12h8.6c0.9,0,1.7-0.8,1.7-1.7V1.7C12,0.7,11.2,0,10.3,0H1.7z M9.6,2.2 L6.9,5.4l3.3,4.3H7.6l-2-2.6L3.3,9.7H2l3-3.4L1.8,2.2h2.6l1.8,2.4l2.1-2.4H9.6z M8.6,9l-4.6-6H3.3l4.6,6H8.6L8.6,9z"/> </svg> </a> </li> </ul> </div> </div> </div> </footer> </main> </div> </div> </div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script src="/sites/g/files/ynjofi136/files/js/js_FKxOMci4DmifLC3u-2WxPIg1XDMYc0N4Sk5Upk-ZP8s.js?scope=footer&delta=0&language=en&theme=myhome_theme&include=eJxdyEEOgCAMBMAPEXkSWbEpkNYmLQf9vZ6MepzRs5lSmY2UMoutkKTvq-ZURiQ2Y7kTnHnql-C_FwwcTzr2EEzzvPWogq7kF0E8Lzo"></script> </body> </html>