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Creating more paths home

Having a place to call your own provides a sense of stability, security, and a wonderful feeling of belonging. That's when a “casa” turns into a “hogar.” Yet 71% of Hispanic renters say they would have difficulty getting a mortgage.* Learn how we’re expanding access to a quality, affordable place to call home.

*Fannie Mae National Housing Survey, Q4 2021

Learn more about the hurdles many Latino homebuyers face on their housing journey.

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Free educational resources

Our free educational resources in English and Spanish can help your clients along their homebuying journey.

Certificate course for first-time homebuyers

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This comprehensive first-time homebuyer course provides key information needed to take the right steps towards homeownership.

  • Addresses common homebuying myths while navigating the complex mortgage process, financing eligibility requirements and up-front housing costs.
  • This course can be used to meet the homeownership education requirement needed for certain mortgage applications.

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Strategies for healthy credit

Our new “Strategies for Healthy Credit” course is designed to explain the basics of credit, the steps to establishing it, and how to keep it healthy to help Latinos on their way to homeownership.

  • Leverages interactive components throughout to help explain complex credit concepts in a way that is easy to understand
  • Features case studies customized with Latinos in mind

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Products and solutions

We’ve introduced innovative programs to help your clients with insufficient down payment or who don’t have an established credit history.

Addressing limited down payment

The HomeReady® mortgage is designed to meet the needs of today’s credit-worthy, low-income homebuyers with limited cash for down payment or receive supplemental boarder or rental income. It offers innovative income flexibilities that can help your customers qualify for an affordable mortgage with a down payment as low as 3%.

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Making rent count towards homeownership

If your client has a limited credit history, but consistently pays their rent each month, they’re likely to keep up with mortgage payments too. A solid record of rent payments can now help borrowers qualify for a mortgage, even if they have a limited credit history.

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Thinking beyond the credit score

With new enhancements in Desktop Underwriter® (DU®), consumers who apply for home loans where no borrower has a credit score will be better positioned to access credit, and your lender partners will benefit from a simplified underwriting process too.

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Reducing Upfront Costs

The Fannie Mae Special Purpose Credit Program supports the expansion of homeownership for eligible first-time homebuyers through down payment or closing cost assistance. The pilot tests whether reduced upfront costs, free homebuyer education, and various credits and waivers can improve the homeownership rate among borrowers in select markets.

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Find out more about all our affordable loan products