Woman and young girl smelling flowers

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! Evaluating Rental Income eLearning course – covers eligibility, documentation, and more, with scenario examples and resources.


Stay Informed

Loan Limits to increase in 2023

Details on the 2023 general and high-cost area loan limit values and updated resources are available on the Loan Limits page. The new loan limit for most of the country is $726,200, indicating a 12.21% increase over the 2022 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.

New Fannie Mae Directive

Effective June 1, 2021, Fannie Mae implemented requirements applicable to certain employees applying for employment or seeking personal business opportunities with Fannie Mae counterparties. Read more about this directive.  

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. 

Streamline your refinance process

With mortgage rates near all-time lows, the demand for refinancing remains high despite the COVID-19 pandemic. Borrowers are attempting to take advantage of the low rates, while lenders grapple with the surge in refinance volumes and the backlog of mortgage loan applications.

Learn more about the solutions that can remove steps in the refinance process by leveraging appraisal flexibilities available for Fannie Mae-owned loans. 

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.

FAQs for Revised QM Eligibility

These FAQs address common lender questions about loan eligibility under the Preferred Stock Purchase Agreement and Revised General Qualified Mortgage Rule (Revised QM) effective for all loans with application dates on or after July 1, 2021.

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.

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.

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.

Stay informed with the latest information

Sign up for key policy, technology, and product updates.

Sign up for email updates