More options means more access
Fannie Mae offers an innovative range of affordable mortgage products designed to meet the needs of lenders and borrowers alike with options built to help expand access to homeownership.
Giving today’s borrowers a way to home
We’re committed to providing lenders a diverse set of affordable mortgage options and financial products made to help expand access to financing for today’s homebuyers and homeowners. Designed to fit the unique needs of borrowers, each product in our portfolio serves as a tool that lenders can use to address obstacles to homeownership, lend responsibly, and promote a healthy and robust housing market.
Explore affordable homebuying options
Low Down Payment Mortgage
Serve today’s creditworthy low-income borrowers with down payments as low as 3%, flexible funding options, and more—including $2,500 in down payment or closing cost assistance.
Low Down Payment
An affordable mortgage product featuring income flexibilities, down payments as low as 3%, and more.
97% Loan to Value Options (LTV)
Financing options to help serve qualified first-time homebuyers and support the refinance of Fannie Mae loans.
Utilize the features of HomeReady paired with the flexibilities of local housing finance agencies (HFAs).
Home Renovation, Construction, and Energy Improvements
A convenient, flexible way to fund home improvements and repairs as a part of a purchase or refinance mortgage.
Discover products and options to help you serve customers interested in financing for construction projects.
Financing designed for improvements meant to reduce utility costs and improve the comfort and safety of homes.
Accessory Dwelling Units
Explore financing options for ADUs that offer the potential to earn rental income or have added space for additional residents.
Specialized Communities, Housing, and Assistance Programs
Select offerings, including MH Advantage®, made to support affordable alternatives to site-built homes.
Native American Lending
Increase financing opportunities for Native American communities both on and off tribal trust and restricted lands.
Down Payment Assistance
Help borrowers overcome two of the greatest barriers to homeownership: down payment and closing costs.
Shared Equity Programs
Support borrower homeownership goals through Community Land Trusts and other shared equity programs.
A refinancing option with expanded eligibility, providing more opportunities for lenders and current Fannie Mae borrowers alike.