Grow Your Closings with Freddie Mac HomeOne by AD Mortgage

AD Mortgage launches an exciting new program to assist first-time homebuyers with Freddie Mac HomeOne, once again demonstrating a commitment to help our partners find down payment solutions for borrowers with challenging circumstances. 

Buying Your First Home is Challenging

In the first quarter of 2025, first-time homebuyers accounted for 58% of agency purchase mortgages – a record share of agency-backed loans.* However, many of these borrowers face common hurdles on their way to achieving homeownership: 

• Insufficient Savings. 68% of renters say saving for a down payment is a major barrier to buying, and this share has been growing consistently over the recent years.*   
• Low Credit Scores. First-time buyers are typically younger and don’t have a long credit history. Additionally, student loans and credit card balances weigh down credit scores.  
• Unstable Income. Due to early career stage or freelance work, many beginner borrowers often don’t have sufficient income history. 

These issues lead to a lack of loan options for first-time homebuyers. Many borrowers cannot meet the lender’s criteria, and therefore, have to postpone purchasing a home. Overall, first-timers are getting older. In 2024, the median age of first-time homebuyers increased to 38 years, compared to 35 just one year earlier.* 

To expand borrowers’ opportunities and help partners address this growing segment, AD Mortgage offers the Freddie Mac HomeOne program. 

“Our mission is to provide equal opportunities for every borrower. Through our broker partners, we deliver programs tailored to each client’s needs. With Freddie Mac HomeOne, we’re creating another path to homeownership — and another opportunity for our partners to grow.”

– Max Slyusarchuk CEO AD Mortgage  

AD Mortgage HomeOne: Affordable Housing for First-Timers

The new program from AD Mortgage is an efficient tool that helps first-time borrowers purchase single-family homes, including townhouses and condos with no income or geographic restrictions. AD’s Freddie Mac HomeOne is no exception in the AD Conventional lineup as it offers low down payments and flexible loan terms.  

Program highlights:  

• Loan amount up to $806,500 
• FICO as per AUS 
• Up to 97% LTV 
• Up to 105% CLTV 
• Minimum down payment of 3% 

Why choose AD Mortgage HomeOne?  

• Standard MI at 35% or 18% with LLPA 
• Only one borrower must be a first-time homebuyer 
• Temporary rate buydowns available 

With AD Mortgage’s Freddie Mac HomeOne program, partners can target a large portion of first-time home buyers who might not have sufficient savings for a down payment.  

Additionally, unlike other mortgage products, Freddie Mac HomeOne allows gift funds, enabling family support to count towards a down payment. Therefore, Freddie Mac HomeOne can be useful for both independent buyers and those using family contributions.   

By removing the biggest barrier – the down payment – brokers can solve the problem for many beginner borrowers and help them reach their goal of purchasing their first home. 

AD Mortgage is Your Lender of Choice

Whether you work with first-time or experienced homebuyers, and provide scenarios for conventional or non-QM loans, AD Mortgage is your lender of choice. We offer over 20 mortgage programs that fit the wide variety of your clients’ needs and help you cover more borrower segments.  

Use the Freddie Mac HomeOne program to grow your closings and help more first-time homebuyers achieve the American dream. For more information about the program, contact us today. 

Asterisks (*)   

1. (May 05, 2025 ) ICE Mortgage Monitor: First-Time Homebuyers Comprise Record Share of Agency Purchase Lending in Q1 2025    
2. Report on the Economic Well-Being of U.S. Households in 2024 – (May 2025) Table 40. 
3. (Mar 4, 2025), Study by Compare the Market   Can people afford houses without financial assistance from their parents?   
4.   National Association of Realtors®’ 2024 Profile of Home Buyers and Sellers