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Shawn Wilmoth · United Real Estate Solutions · East Tennessee REALTORS® Participant

Slide 2 of 5

Great Choice or Freddie Mac HFA Advantage?

3 years

The first-time buyer rule is where they often differ.

Great Choice looks at the last 3 years, with exceptions for targeted areas and for qualified military and spouse. HFA Advantage has its own rules for repeat buyers.

As of 10-28-2026.

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