RC_LP_U_307.2 Underwriting Freddie Mac A-Minus Loans

MBA Member Price: $49.00

Nonmember Price: $79.00


This is a single-family/residential course.

Mortgage loan products are segmented in different ways:

  • By loan size: Conforming and non-conforming.
  • By government backing: FHA, VA, and USDA/Rural Housing.
  • By government backing: FHA, VA, and USDA/Rural Housing.

    Interest rates, fees, and prepayment penalties are proportionally based on a mortgage loan's credit investment grade or rating. As risk increases, so too do the interest rate and fees, generally speaking. Consider an A mortgage rating being prime or marginally lower in risk than those rated as A-minus, whereas a D should be considered subprime, thus representing a greater degree of risk.

    Drilling further, an A-rated borrower has demonstrated the ability to manage credit, afford the payment, and satisfy asset requirements. An A-minus borrower may have less than perfect credit, may have few if any assets, or may have yet to establish the capacity to repay a mortgage. Certain factors, such as employment, credit, down payment, and reserves contribute to the layering of risk that drives the risk evaluation of a particular mortgage.

    The material presented in Underwriting Freddie Mac A-Minus Loans describes mortgage loans purchased by Freddie Mac and evaluated as A-minus. The course begins with a definition of A-minus loans. Next, it looks at Freddie Mac eligibility requirements for A-minus loans. Toward the end of the course, learners are given the opportunity to practice by applying guidelines from the course to some practical scenarios.


  • Defining A-Minus
  • Freddie Mac A-Minus Eligibility
  • Case Studies

    Seat time approximately one (1) hour.

    Copyright 2020.

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