Note to all buyers and realtors representing buyers: Do not fear the need for counseling! In a just completed transaction of 3% down and mortgage insurance built into the rate for a first time homebuyer, Freddie Macs Home Possible Program insists on real estate counseling from one of several options. This was handled online, it was 10 questions and Freddie Mac will then let you print out a certificate that proves you have completed the requirement. Oh yeah…it was at no charge!!! Also, the lender paid for the appraisal at closing. So the next time you are faced with this situation on loan amounts up to $453,100, call Mitchell Mortgage at 707-259-1117, 530-406-2200 or 707-337-5970 mobile…we know what to do!