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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.

Stay Informed

GSE Validation and Approval of Credit Score Models

Fannie Mae and Freddie Mac (the GSEs) have published a Credit Score Solicitation to request applications from prospective credit score model developers for the “Validation and Approval of Credit Score Models.” Visit the Credit Score Models page to view the solicitation or  learn more about how Fannie Mae uses credit score models and credit scores.

Without Data Standards, the Mortgage Industry Doesn’t Go Digital

This white paper describes the importance of a foundation based on data standards as the mortgage industry moves to innovate and deliver the digital experience borrowers want.

Selling Guide Forms and Communications

Access forms, announcements, lender letters, notices, and more to stay current on our selling policies.

Simplify the Cycle

DU® Validation Service

Validate a borrower’s income, assets and employment to process more loans faster while giving a superior customer experience. 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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