OVERVIEW Product Summary

IMAGIN℠ (Integrated Mortgage Insurance)  is a new way to attract private capital to the low down-payment market. IMAGIN is open to reinsurers that meet Freddie Mac’s stringent counterparty standards, which include capital and collateralization requirements. IMAGIN is not a replacement for traditional MI; it is an alternative to the traditional system that may result in lower MI premiums and thus lowered costs for borrowers.


  • Borrowers: Potentially reduces costs and expands access to credit
  • Lenders: Levels the MI premiums paid by all lenders, regardless of size
  • Taxpayers: Transfers credit risk from the U.S. government to private capital

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Find out how Credit Risk Transfer creates investor opportunities while strengthening the U.S. mortgage market.

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