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on your terms

Education has power, and it’s in your hands with the CreditSmart® suite of financial and homeownership education resources. Whether you’re renting a home, are on the path to homeownership or saving for the future, CreditSmart has something for you.

Build what you need

Your financial goals are unique. Your financial education should be, too.

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Free education

Freddie Mac created CreditSmart because your financial empowerment is part of our mission.

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Flexible learning

Pause when you need to and start back up—on any device—when you have time.

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Personalized tools

From budget trackers to goal checkers, you can customize your experience to create the education you need.

CreditSmart paths

For All Learners

CreditSmart Essentials

Want to know more about managing money or building good credit? Learn with Essentials while you set your goals and track your progress.

Complete Homebuyer U if you need a certificate to qualify for a mortgage.

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Certificate for Facilitators

CreditSmart Coach

Want to coach consumers through CreditSmart? CreditSmart Coach has a customizable set of tools that’ll help you understand CreditSmart and become a certified facilitator.

Registration begins in September 2021

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Certificate for Homebuyers

CreditSmart Homebuyer U

Need a certificate to qualify for a HomeOne℠ or Home Possible® mortgage? Want to take a deep dive into homeownership? It all starts here. Learn about bringing your credit up and keeping it there.

This path aligns with the National Industry Standards for Homeownership Education and Counseling for pre-purchase content.

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For Service Members & Veterans

CreditSmart Military

Are you a current or past service member? Learn to manage your money while in the military or as a veteran. Pair this path with CreditSmart Essentials, where you’ll learn about credit, debt and more.

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In your language

CreditSmart Multilingual

CreditSmart resources are available in Spanish, Chinese, Vietnamese and Korean. View the materials and learn about credit and finances on your terms. Be sure to check back as we add more translations.

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What users are saying