Mortgage with a low down payment, usually less than 10 percent. Fannie Mae and Freddie Mac design loan programs that spell out a set of standards for lenders. In recent years these government-chartered agencies have made low-down mortgages more available through programs such as Fannie Mae’s Flexible 97 and Freddie Mac’s Alt 97. The “97” refers to the amount of the home’s value a lender will cover in a mortgage, leaving a low 3 percent down payment required.

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Jim Crowder

1434 Spruce Street

STE 100

Boulder, CO 80302