What are the recommended devices to use?  

I can't tag him since I'm on a mobile device, but he will come up if you just do a search on here

Im doing my research,one lender said I might qualify for 4-4.5% via Fannie May/Freddie Mac.  

Is there a way to opt out of the pop up that comes up on my mobile device?

According to The Freddie Mac Primary Mortgage Market Survey® (PMMS®) which began in 1971, October of 1981 rates were 18.45% and November/December of 2012 rates were 3.35%. 

He needs to keep making 100% on-time payments, period.For good credit scenarios wherein the person has no mortgage lates and did a short sale, Freddie Mac is now often approving these purchase mortgages with no specified minimum waiting period. 

HI Collin,Evan is right about Mac and Salem, They are definitely more affordable with less competition.

@Carlos WebelEvery lender has overlays from Fannie Mae and Freddie Mac criteria.

HUD, Fannie Mae, Freddie Mac, and other REO properties are really no different from any other - the rehab numbers and the ARV still work the same, and every property has to be considered on a case by case basis.The only different hassle with HUD properties really is in the red tape involved in working with HUD servicers such as HomeTelos and BidSelect - each of which bring their own quirky rules with regards to processing the contract and closing.

It would be a wonderful world if everyone could afford every safety device and had time to research them, but the truth is that sometimes you have to wait until time and money permit you to set up things for a large company.