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on your terms

Education has power, and it’s in your hands with CreditSmart’s housing and financial capability resources. Whether you’re renting, buying 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.

Learning paths

Money & Credit

CreditSmart Essentials

Want to know more about managing money and building good credit? Set your goals, track your progress and learn on your own time with CreditSmart Essentials.

Essentials does not satisfy homeownership education requirements. Complete Homebuyer U if you need a certificate to qualify for a mortgage.

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CreditSmart Renter Resources

Are you a renter or preparing to become one? CreditSmart’s renter resources will get you on the right financial track.

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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.

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CreditSmart Multilingual

CreditSmart offers resources in multiple languages, including Spanish, Korean, Chinese and Vietnamese. Download the materials and check back for additional translations!

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Military & Veterans

CreditSmart Military

Are you a current or past service member? Prepare financially for deployment, avoid targeted financial schemes and learn to manage your money while in the military.

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What users are saying

Ready to take the first step?

Decide which path is right for you.