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Affordable Income & Property Eligibility

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Affordable Mortgage Requirements

For certain Freddie Mac mortgage offerings, the borrower’s annual income must meet the following requirements:

  • The Borrower’s annual income must be equal to or less than the area median income.
    Income eligibility requirements may be different in high cost areas. An exception to the income requirements exists for properties located in designated “Underserved Areas.” Area median income requirements do not apply when borrowers finance a property located in an Underserved Area.
  • Underserved Areas are determined at the census tract level. Census tracts generally comprise smaller areas than counties.

With Quick Lookup, You Can Find:
  • Area Median Income Listings by County
  • Designated Underserved Area Census Tracts

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