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.

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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.

  • Community Seconds

    Learn how you can leverage eligible public, nonprofit, and employer funds to finance a down payment and/or closing costs.

  • 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.

  • Premium Pricing and Community Seconds

    See examples of acceptable and unacceptable uses of premium pricing.

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 and Underserved Communities

High LTV Refinance

  • High LTV Refinance Option

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

  • Home Affordable Refinance

    DU Refi Plus/Refi Plus applications must be started no later than Dec. 31, 2018, and loans must be delivered by Sept. 30, 2019.

Mortgage Insurance

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