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.
30 Years of Impact
With 30 years of experience, Desktop Underwriter® (DU®) has been improving the mortgage lending process through ongoing innovation and sound underwriting.
Find business resources for the following specialists:
Fannie Mae is committed to reducing the risk of appraisal bias
Featured origination technology solutions
Stay Informed
2025 Loan Limits
Details on the 2025 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 $806,500, indicating a 5.21% increase over the 2024 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.
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.
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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