Leverage HomeReady®, a dynamic mortgage solution that reduces the barriers to homeownership for low-income and very low-income borrowers. With the extension of the $2,500 credit* for eligible first-time homebuyers and the consideration of positive rent payment history in loan eligibility, HomeReady can be your key to expanding new opportunities for your borrowers — and for your business.

Through flexible funding options, more borrowers can achieve homeownership by using a variety of sources toward a down payment or closing costs. Plus, lenders can lock in margins, reduce hedging costs, and take advantage of an enhanced best-efforts commitment that offers pricing similar to a mandatory commitment. With so many innovative features, HomeReady is a comprehensive solution that is delivering
certainty in lending.

*For whole loans purchased on or after March 1, 2025, to February 28, 2026, and for loans delivered into mortgage MBS with issue dates on or after March 1, 2025, to February 1, 2026.