Mortgage Products

Lend confidently.

We offer an innovative range of mortgage products, eligibility options, and solutions to help you meet your borrowers' needs and grow your business.

Navigate Related Information

Homeownership education requirement changes now in effect new

On December 7, Fannie Mae implemented policy changes expanding homeownership education loan requirements. To receive the $75 Framework course fee waiver, borrowers must register through the new course link or Borrowers registering via other URLs may be charged the non-refundable $75 fee. For more information about these and other homeownership education changes, click here.

Low Down Payment

  • HomeReady

    Find out how HomeReady’s innovative income flexibilities can help your customers qualify for an affordable mortgage.

  • 97% LTV Options

    View our 97% LTV/CLTV/HCLTV financing options that help lenders serve qualified home buyers and support refinance of Fannie Mae loans.

  • HFA Preferred

    Designed exclusively for housing finance agencies (HFAs) to serve more low- to moderate- income clients, HFA Preferred pairs features of HomeReady with flexibilities from local HFAs.

Home Construction, Renovation, and Energy Improvements

  • HomeStyle Energy

    Learn how HomeStyle Energy provides affordable financing to help your clients have it all - the charm of an older home with the convenience and efficiency of upgraded home energy systems.

  • HomeStyle Renovation

    Learn how a HomeStyle Renovation mortgage provides a convenient and flexible way for borrowers considering home improvements to make repairs and renovations.

  • Construction Products

    See what products and options we offer to help lenders serve borrowers with financing for construction projects.

Rural Areas, Underserved Communities and Homebuyer Assistance Programs

  • Shared Equity and Homebuyer Assistance Programs

    These opportunities can support the first steps on a borrower’s lifelong journey of homeownership.

  • Manufactured Housing

    See how our innovative offerings, including MH Advantage, can help you support this affordable alternative to site-built homes.

  • Native American Lending

    We work with lenders and other stakeholders to increase mortgage financing opportunities for Native American Communities both on and off tribal trust and restricted lands.

High LTV Refinance

  • High LTV Refinance Option

    See if your borrowers with existing Fannie Mae mortgages can benefit from a high LTV refinance option.

Mortgage Insurance

ARM Loans, High-Balance Loans, Loan Limits, and More