Originating & Underwriting
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! Use Income Calculator right from our website to gain more certainty of loan quality by quickly and accurately calculating income for self-employed borrowers. Learn more.
Find business resources for the following specialists:
Fannie Mae is committed to reducing the risk of appraisal bias
Featured origination technology solutions
Stay Informed
Reconsideration of Value
We've published a new borrower-initiated Reconsideration of Value policy, formalizing a process framework, which includes required minimum information that must be part of a lender's policies and procedures. The implementation date for this policy is October 31, 2024. Read the FAQs for more information.
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.
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.
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.
Attorney Opinion Letter Primer
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.
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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