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Originating & Underwriting

Innovation starts here

Solutions that help meet tomorrow's mortgage needs today.

With industry leading mortgage technologies, we enable lenders to successfully originate and underwrite loans with speed and efficiency.  Our products are designed to:

  • Help grow your business and support your borrower’s needs
  • Deliver speedy and efficient underwriting recommendations intuitively aligned to your process and loan origination systems
  • Provide comprehensive credit risk assessment with fewer touchpoints and corresponding financial and operational impacts

Lenders also can receive freedom from certain representations and warranties and help reduce manual processes and cycle times through Day 1 Certainty®.

If you are not yet a Fannie Mae Seller, click here to learn more about the process to become one.

New! DU early assessment provides lenders the ability to enhance their pre-qualification process with a conditional DU recommendation. Learn more.

 

Stay Informed

Loan Limits to increase in 2024

Details on the 2024 general and high-cost area loan limits and updated resources are available on the Loan Limits page. The new loan limit for most of the country is $766,550, indicating a 5.56% increase over the 2023 limit.

Flood insurance coverage calculator for lenders

Now it’s easier for lenders to determine the minimum flood insurance coverage we require. To simplify your underwriting and reduce the risk of errors, use this coverage calculator for 1- to 4-unit properties, PUDs, detached condominiums, attached condominiums, and co-ops.

How personal financial management solutions might reshape consumer access to mortgage lending

Learn how the growth of digital personal financial management solutions (PFMs) could potentially create opportunities for lenders to deliver more personalized borrower solutions and enable consumers to better understand their finances and mortgage options. This infographic  explores PFM user stages and potential lender opportunities. 

GSE Validation and Approval of Credit Score Models

Fannie Mae and Freddie Mac (the GSEs) have announced an updated credit score model approach. Visit the Credit Score Models page to learn more about the update and how Fannie Mae uses credit score models and credit scores.

Attorney Opinion Letter Primer

This primer describes how Fannie Mae permits lenders to obtain a lender’s title insurance policy or, in some circumstances, an attorney opinion letter (AOL), as a potential way to reduce closing costs for borrowers while responsibly managing risk for Fannie Mae. See FAQs to learn more.

LIBOR Transition

This webpage features information, updates, and resources, including FAQs, playbooks and timelines, to help you transition to alternative reference rates.

Loan Quality

Fannie Mae partners with lenders to decrease risk. Together, our shared commitment increases the level of quality and risk oversight delivering certainty to lenders and Fannie Mae. Learn more

Affordable Housing Initatives

Fannie Mae continues to help increase access to mortgage credit in all communities across the nation.  Learn more about our efforts to grow affordable  housing supply and support continuing the education about sustainable homeownership within the industry. Fannie Mae also provides multi-language resources for lenders

Uniform Mortgage Data Program

The Uniform Mortgage Data Program® (UMDP®) is an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency to enhance data quality and standardization.

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