Conforming and Government Backed Loan Options
Agency loans provide an affordable path to homeownership through conforming mortgage programs backed by Fannie Mae and Freddie Mac. At Crestico, we help homebuyers and homeowners compare agency loan options for purchasing or refinancing a home while guiding them through every step of the mortgage process.
Choose the Right Agency Loan Program
Freddie Mac
Freddie Mac loan programs provide reliable financing for eligible borrowers purchasing or refinancing residential property. These conventional loans offer flexible qualification standards, affordable financing options, and competitive mortgage terms that help make homeownership more attainable while supporting long term financial stability.
Fannie Mae
Fannie Mae loans are conventional mortgage programs designed to make homeownership more accessible. Qualified borrowers may benefit from competitive interest rates, lower down payment options, flexible credit requirements, and predictable monthly payments. These loans are an excellent choice for first time buyers, repeat buyers, and homeowners looking to refinance.
Step 1
Check Eligibility
Step 2
Payment Option
Step 3
Get Approved
Step 4
Close the Loan
Step 5
Repayment & Loan Terms
Why Choose Crestico for Agency Loans
Whether you are buying your first home, upgrading to a larger property, or refinancing your existing mortgage, Crestico provides personalized guidance throughout every stage of the loan process. We work closely with borrowers to explain available financing options, answer questions, and help simplify the mortgage experience from application through closing.
Frequently Asked Questions
What is an agency loan?
An agency loan is a conventional mortgage that follows the lending guidelines established by Fannie Mae or Freddie Mac. These loans are designed to provide affordable financing for qualified homebuyers and homeowners.
Who qualifies for a conforming loan?
Eligibility depends on factors such as your credit score, income, debt to income ratio, property type, and loan amount. A mortgage professional can help determine which program fits your situation.
Can I refinance with an agency loan?
Yes. Many homeowners use agency loans to refinance an existing mortgage, lower their interest rate, reduce monthly payments, or change loan terms.
What is the difference between Fannie Mae and Freddie Mac?
Both organizations support conventional mortgage lending by purchasing qualifying home loans from lenders. Their programs are similar, although certain eligibility requirements and loan options may differ.
Can first time homebuyers use agency loans?
Yes. Many first time homebuyers choose agency loan programs because they offer competitive interest rates, flexible qualification requirements, and affordable down payment options.