1. Credit Score Needed For Mac Tools
2. Credit Score For Mac Tool Chest
3. Credit Score For Mac Tool Machine
4. Credit Score For Mac Tool Company

A score sheet (the ‘MAC: Score sheet’) to complete on page 15. Manual handling assessment charts (the MAC tool) This is a web-friendly version of leaflet INDG383(rev1), published 01/14 Note The MAC is not appropriate for some manual handling operations, for example those that involve pushing and pulling. Its use does not comprise a full risk. See full list on mymaccredit.com. New, used and refinancing available on autos and vehicles, including ATVs, snow machines and travel trailers and RVs. Purchasing a vehicle is a big decision and a lot of research is required throughout the process. Because you’ve probably spent countless hours looking at sales prices, crunching numbers, verifying mileage stats, reviewing safety ratings, and more,. American Express is enhancing American Express® MyCredit Guide, its popular credit score tool, with the addition of Score Goals, a credit score improvement tool (powered by VantageScore), using the VantageScore® 3.0 credit score. Financial Tools. Credit Karma's Financial Tools will show you how certain actions affect your credit, how credit scores compare across the country, how much home you can afford, and much more. Take a look around!

• Single-Family

Updated Home Possible Offering

We’ve added credit flexibilities and simplified Home Possible® mortgage requirements by consolidating Home Possible and Home Possible Advantage® into a single offering. See more about the changes in Single-Family Seller/Servicer Guide (Guide) Bulletin 2018-13. Check out updated mortgage highlights on this page.

Maximum Financing and Flexibility - Three Percent Down Payment Solution with Expanded Options

The Freddie Mac Home Possible® mortgage offers more options and credit flexibilities than ever before to help your very low- to moderate-income borrowers attain the dream of owning a home.

In addition to its down payment requirement of as little as 3 percent, Home Possible now offers more options to responsibly increase homeownership for more of your borrowers. Do-it-yourselfers can apply sweat equity to assist in meeting their down payment and closing costs, co-borrowers who do not live in the home can be included for a borrower’s one-unit residence, borrowers can own one additional financed property, and more – all with competitive pricing and the ease of a conventional mortgage.

We’re helping you provide affordable solutions to more creditworthy borrowers so you can enhance your business and your communities at the same time.

Watch the video to the right, and learn more below, to Discover the Possibilities with Home Possible.

Mortgage Features

• Loan to Value (LTV) Ratios: Low down payment with a maximum of 97% LTV, 105% TLTV, 97% HTLTV for 1-unit properties.
• Property Options: 1-4 units, condos and planned-unit developments; manufactured homes are eligible with certain restrictions.
• Flexible Sources of Down Payments: Down payment can come from a variety of sources, including family, employer-assistance programs, secondary financing, and sweat equity.
• Mortgage Insurance (video): Mortgage insurance (MI) can be cancelled after loan balance drops below 80 percent of the home's appraised value, and MI coverage requirements are reduced for LTV ratios above 90 percent.
• Pricing: Credit fees are capped and less than standard fees for all loans over 80 percent LTV.
• Mortgage Flexibility: 15- to 30-year fixed-rate mortgages; 5/1, 5/5, 7/1 and 10/1 ARMs; super conforming mortgages.
• Refinance Options: No cash-out refinancing option is available for borrowers who occupy the property.
• Income Flexibility: No income limits in low-income census tracts, and otherwise limited to 100 percent Area Median Income (AMI). No geographic limits on loan amounts. Use the Home Possible Income & Property Eligibility Tool to see income limits for specific properties or submit to Loan Product Advisor® to determine Home Possible income eligibility.
• No Credit Score Necessary: Qualified borrowers without credit scores are eligible for mortgages with down payments as low as 3 percent. Learn more.

* Mortgage features are subject to additional requirements in our Single-Family Seller/Servicer Guide.

Advantages for Your Business

• Expand your market opportunity: Accommodate borrowers in a wide range of life stages from millennials purchasing their first home, to move-up borrowers and retirees considering downsizing.
• Expand your business by meeting a greater variety of client needs: Offer enhanced credit flexibilities to meet the needs of diverse individual borrower situations, giving them the practical solutions to own a home.
• Overcome the down payment barrier: Capitalize on a low 3 percent down payment solution and lend up to 105 percent TLTV with an Affordable Second® on a 1-unit property.
• Benefit from certainty: Choose to qualify through Loan Product Advisor for greater certainty in the loans you sell to Freddie Mac.

Benefits to Your Borrowers

• Realize the milestone of homeownership: without the barrier of gathering a 20 percent down payment.
• Apply sweat equity: for up to the entire amount of the down payment and closing costs.
• Non-occupying co-borrowers can contribute: to borrower funds on one-unit properties.
• Cancel mortgage insurance: upon reaching 20 percent equity, reducing the monthly mortgage payment and potentially saving thousands over the life of the loan.
• Enable empowered decisions: and life-long responsible homeownership with required financial literacy education, which can be fulfilled by Freddie Mac’s online, free CreditSmart® tutorials.

Information for lenders

Freddie Mac Home Possible mortgages are designed to grow your business and attract low- and moderate-income borrowers, first-time homebuyers, and underserved communities. Use the resources below and discover why a Home Possible mortgage may best fit for your borrowers' needs.

1. Get the facts about Home Possible.
   

   Home Possible Fact Sheet - effective October 29, 2018	Freddie Mac Affordable Seconds®
   Consolidated requirements announced in Guide Bulletin 2018-13	Secondary Financing:

2. Other Things You Need to Know:

   • Home Possible Income & Property Eligibility tool – Use this quick tool to easily determine if your borrower meets the income requirements for a Freddie Mac Home Possible mortgage.
   • Down Payment Assistance – Help your borrower find down payment programs in your area.
   • Training Opportunities – Take a deep dive and learn how to originate Home Possible mortgages.
   • Find details on Home Possible mortgages in Chapter 4501 of The Single-Family Seller/Servicer Guide.

Reach out to real estate professionals, housing counselors and mortgage brokers

Spread the word about Home Possible among your real estate professional, housing counselor and mortgage broker network using the following resources:

1. Customizable postcards:
   

   Postcard for REPs

   Postcard for Brokers

2. Freddie Mac Real Estate Professionals Resource Center – Send real estate professionals to this comprehensive resource website.
3. Freddie Mac Housing Counselors Resource Center – Direct the housing counselors in your network to Freddie Mac's website dedicated to serving their needs.
4. Down Payment Assistance – Point your partners to DownPaymentResource.com to help them help their clients find down payment funds.
5. Networking and Training Opportunities – Build your network of housing counselors and real estate professionals at these events.
6. Mortgage Broker Resources – Refer to Lender Resources for more information.

Outreach to potential borrowers

Let potential borrowers know how you can help them achieve their dream of homeownership with these FREE resources:

1. CreditSmart® – Steps to Homeownership: Did your borrower qualify for a Home Possible mortgage? This FREE online tutorial by Freddie Mac will help first-time homebuyers to fulfill their homeownership education requirement.
2. Down Payment Assistance: Help your mortgage-ready borrower find down payment and closing cost assistance through DownPaymentResource.com.
3. Place your logo on these marketing materials and reach out to potential homebuyers (See Instructions, Terms of Use and Print Specs):
   Your Step-by-Step Mortgage Guide: From Application to Closing: Help homebuyers navigate the mortgage process so that they take the right steps to purchase their home. Add your contact information and logo to the front and back covers.
   

   English	Spanish
   Mortgage Guide – Updated	Mortgage Guide – Updated

   
   

   Paint the Walls Any Color You Want
   Version 1	Version 2

   
   

   Looking for your next home? Consider Condos

   
   

   Go from renting to owning

   Do you picture your child in their own home one day?

4. Does your potential borrower need homeownership information and counseling? Direct them to:

Home Possible Income & Property Eligibility Tool

Freddie Mac's map-based Home Possible Income & Property Eligibility tool makes it easy to determine if your borrower meets the income requirements for a Freddie Mac Home Possible mortgage.

What is the MAC?

A. The Manual Handling Assessment Charts (MAC) is a tool to help in the identification of common risk factors in lifting, carrying and team handling operations. The MAC helps the assessor to identify the tasks that need improvement first.

How does the MAC fit in with the Risk Assessment Filters and Checklists in the guidance on the Manual Handling Operations Regulations (MHOR) 1992?

A. The MAC is not appropriate for all manual handling operations, and may not comprise a fully 'suitable and sufficient' risk assessment if relied on alone. A full risk assessment will normally need to take account of additional factors such as an individual's health problems or the need for special information and training. The guidance on the MHOR sets out in detail the requirements of an assessment.

People with knowledge and experience of the handling operations, industry specific guidance and specialist advice may also help when completing an assessment. Further information can be found at the MSD site.

What is the role of the MAC scores? What do they indicate?

A. The total scores should be used to help the assessor prioritise remedial actions. The scores provide an indication of which manual handling tasks require attention first. They should only be used for comparison purposes because the total scores do not relate to objective action levels. The scores can also be used as a way of evaluating potential improvements. The most effective improvements will bring about the highest reduction in the score.

HSE promotes an ergonomics approach to manual handling assessments by considering the task, individual, load and environment. Why is there no reference to individual or psychosocial factors?

A. HSE is aware of the importance of the role of individual and also psychosocial factors. Although not explicitly included within the flow charts, the user is prompted to consider individual and psychosocial factors in the score sheet. Due to space restrictions imposed on the MAC some risks have not been included within the flow chart, which is why it may not be a 'suitable and sufficient' risk assessment on its own. The role of psychosocial and individual factors is covered more thoroughly within this website.

If a manual handling task involves lifting and then carrying, what should I assess?

A. Ideally both, but after some experience of using the MAC you should be able to judge which of the task elements poses the greater risk.

Why is there no weight/frequency graph for team carrying tasks?

A. L23 provides a weight reduction factor for team handling. There has been work on team stretcher carrying but team carrying is more specialised than could be conveniently included in the MAC.

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How do I interpret the load weight/frequency graph for female workers?

A. For simplicity, the load weight/frequency graphs are applicable to both males and females.

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• The green zone (top of green, bottom of amber) in the graph is based on data that Snook and Ciriello (1991) found acceptable to average females.
• The amber zone (upper line) is a load and frequency acceptable to average males.
• The red zone (upper line) is acceptable to 10 percent of males (strong males), until it reaches 50 kg. The 50 kg upper limit of the red zone was selected in line with information in the risk filter (twice the 25 kg upper load level for males). See Appendix of L23.
• The purple zone was added to give an increased level of risk that was considered important by the project team, as a few industrial workers consider it acceptable to lift loads of this magnitude despite the indications of a high risk of injury.

Why do the guideline weights in Figure 20 of the MHOR (L23) differ from those in the load/frequency graph in the MAC?

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A. The figures in L23 and the lifting graphs in the MAC (and V-MAC) are based on the same data set (Snook and Ciriello, 91), but have different uses. The figures in L23 are designed to identify when a more detailed assessment is required and use data that will provide a reasonable level of protection to 95% of the working population.

The MAC is designed to help the user identify high-risk manual handling operations. The load/frequency graph has been included to show how load, weight and repetition affect the degree of risk during manual handling. This is based on the lifting capabilities of the working population.

Why is there no reference to biomechanical limits in the load/frequency chart?

A. There is no reference to biomechanical limits in the MAC as calculating them is very complex. However the load/frequency data used are based on Snook and Ciriello's (1991) psychophysical studies.

Can the MAC be used to assess tasks that involve handling people?

A. Most patient-handling activities are known to pose at least some risk of MSD to workers. Although the risk assessment principles in the MAC apply to all handling situations, note that the MAC was not designed with patient handling in mind, and therefore may not be appropriate for patient-handling risk assessments. The postures assumed, direction of forces applied, and level of control by workers may differ substantially between typical patient handling and the handling of inanimate objects. In addition, patient-handling risk assessments require an additional set of patient-related factors to be considered, such as the ability of the patient to co-operate and balance, as well as tendencies towards aggressive behaviour.

Reference

Snook SH and Ciriello VM, (1991), The design of manual handling tasks: Revised tables of maximum acceptable weights and forces, Ergonomics 34, 1197-1213.

Resources

Credit Score For Mac Tool Company

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