Freddie Mac’s Affordable Gold Program has provisions for a 95% loan-to-value ratio, and it has flexibility regarding non-traditional forms of credit, reserve requirements, and qualifying ratios. Of particular interest, the Affordable Gold Program does not use a "front end/top" (housing expense to income) ratio. Rather it utilizes a single "end/bottom" (total debt-to-income) ratio. Homebuyer education is required for participation.

Lenders often refer to the Fannie 97 Program and the Affordable Gold Program as the "3/2 Program" which refers to the requirement that at least three percent of the down payment come from the buyer and two percent can come from other sources.

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