HomeOne

Freddie Mac HomeOne

Freddie Mac has created a new mortgage program for First Time Homebuyers. The main difference between HomeOne and Home Possible is that HomeOne does not have any income or geographic limits.

Features:

Up to 97% financing for home purchase or rate-term refi
No income or geographic limits
Flexible sources of funds (gifts/grants/secondary financing) — may be used for down payment and closing costs
Available for purchase and no-cash-out (rate-term) refinances; fixed-rate financing only.
Conventional home financing with cancellable monthly Mortgage Insurance (MI) – helps you save money

Eligibility:

At least one borrower must be a first-time homebuyer (no ownership interest in a residential property during the prior 3 years).
All borrowers must occupy the property.
One-unit primary residence eligible. Homebuyer education is required when all borrowers are first-time buyers.
One Borrower must be a first time home buyer (meaning no ownership interest in a residential property for past three years)
Mortgage Insurance is required for LTV (Loan-to-Value) greater than 80%

Let’s Talk

Contact a GMFS Mortgage Loan Officer today!

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Working with John Graeber was an absolute pleasure! From the very beginning, he made the mortgage process smooth, stress-free, and transparent. He took the time to explain every detail, answered all our questions promptly, and provided the best possible loan options tailored to our needs.

His professionalism, expertise, and dedication were truly exceptional. Communication was top-notch, and I always felt informed and supported. I highly recommend him to anyone looking for a trustworthy and efficient mortgage lender. Thank you for making my first home-buying experience seamless and enjoyable!

Celeste B.

I was really pleased Ms Ashley really did a great job

terrance s.

All I can say is Will was great in helping us getting our nome We will never forget Will thank you Will

Jackie Faye W. Calera, AL

Ashley was great helped me out alot made the experience alot better than what I was dealing with

Dalton G.

Josh is a great lender and awesome to work with!!

Stephanie M. Lacombe, LA

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.

*Not a commitment to lend. All loans subject to credit and property approval. The following terms are for illustrative purposes only. Rates, payments, and loans terms vary by consumer based on their individual qualifying information. The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance.

Purchase Price	Loan Amount	Interest Rate	APR	Term
$239,000	$227,050	6.5%	6.725%	30