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Originating & Underwriting

Mortgage Products

Lend confidently
Fannie Mae offers an innovative range of mortgage products, eligibility options, and solutions to help you meet your borrowers' needs and grow your business.

Browse our mortgage products and options

Low Down Payment


The HomeReady® mortgage includes innovative income flexibilities that can help your customers qualify for an affordable mortgage with a down payment as low as 3%.

97% LTV Options

View 97% LTV/CLTV/HCLTV financing options that help you serve qualified first-time home buyers and support the refinance of Fannie Mae loans.

HFA Preferred

HFA Preferred™ pairs features of HomeReady with the flexibilities from local housing finance agencies (HFAs), designed to serve more low- to moderate-income borrowers.

Home Renovation, Construction, and Energy Improvements

HomeStyle Renovation

Learn how HomeStyle® Renovation provides a convenient and flexible way for your customers to finance home improvements and repairs as part of the purchase or refinance mortgage.

Construction Products

Discover products and options to help you serve customers interested in financing for construction projects.

HomeStyle Energy

Whether they’re purchasing a home or refinancing their current one, help your borrowers finance upgrades to reduce utility costs and improve the comfort and safety of their homes.

Accessory Dwelling Units (ADUs)

ADUs can be financed using a range of Fannie Mae loan options and allow borrowers the flexibility to earn rental income from tenants or provide additional space for extended family.

Rural Areas, Underserved Communities and Down Payment Assistance Programs

Manufactured Housing

See how our innovative offerings, including MH Advantage, can support affordable alternatives to site-built homes.

Native American Lending

Learn more about ways to increase mortgage 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 payments and closing costs.

Shared Equity Programs

Discover how Community Land Trusts and other shared equity programs can support your borrower's first steps to achieve their lifelong goal of homeownership.

Affordable Refinance


A refinance option that provides expanded eligibility, resulting in new opportunities for you and your borrowers.

High LTV Refinance Option

See if your borrowers with existing Fannie Mae mortgages can benefit from a high LTV refinance option.

ARM Loans, High-Balance Loans, Loan Limits, and More

Eligibility and Pricing

View eligibility for adjustable-rate mortgages, high-balance loans, condo projects, and more.