OVERVIEW Product Summary

Integrated Mortgage Insurance℠ (IMAGIN℠) 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.

Characteristics

  • 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

TAKE THE NEXT STEP Want to Learn More?

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

Contact the Freddie Mac Team

Contact the CRT Team

New Transactions & General Inquiries

credit_securities@freddiemac.com(866) 903-2767