Skip to main navigation


FM Platform Nav
  

        


Single-Family Business
      
      Homebuyers, Owners, and Renters

          
                        Single-Family
                
                Capital Markets
                                      Multifamily
          About Us
          
                        Careers
          
                        Contact Us
                                    Login
 FM Site Nav
  

        

Homepage
                    
      Fannie Mae logo
    Toggle navigation
      Originating & Underwriting
                      
            Pricing & Execution
                      
            Delivering
                      
            Servicing
                      
            Learning Center
                      
            Apps & Technology
                      
            News & EventsToggle search
 
 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


HomeReady®

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.

Learn more
            HomeStyle® Renovation

Flexible Home Improvement Mortgage

Learn how to better manage renovation loans through completion, helping your borrowers turn a fixer upper into their dream home.

Learn more
            HomeStyle® Energy

Energy Improvement Mortgage

Cover upgrades to increase energy efficiency and improve the comfort and safety of a borrowers home through a streamlined mortgage process.

Learn more

  

  Browse the full range of Fannie Mae's affordable mortgage solutions
Low Down Payment
  



HomeReady®
  An affordable mortgage product featuring income flexibilities, down payments as low as 3%, and more.
            Learn more
                                97% Loan to Value Options (LTV)
  Financing options to help serve qualified first-time homebuyers and support the refinance of Fannie Mae loans.
            Learn more
                                HFA PreferredTM
  Utilize the features of HomeReady paired with the flexibilities of local housing finance agencies (HFAs).
            Learn more
Home Renovation, Construction, and Energy Improvements
  



HomeStyle® Renovation
  A convenient, flexible way to fund home improvements and repairs as a part of a purchase or refinance mortgage.
            Learn more
                                Construction Products
  Discover products and options to help you serve customers interested in financing for construction projects.
            Learn more
                                HomeStyle® Energy
  Financing designed for improvements meant to reduce utility costs and improve the comfort and safety of homes.
            Learn more
                                Accessory Dwelling Units
  Explore financing options for ADUs that offer the potential to earn rental income or have added space for additional residents.
            Learn more
Specialized Communities, Housing, and Assistance Programs
  



Manufactured Housing
  Select offerings, including MH Advantage®, made to support affordable alternatives to site-built homes.
            Learn more
                                Native American Lending
  Increase financing opportunities for Native American communities both on and off tribal trust and restricted lands.
            Learn more
                                Down Payment Assistance
  Help borrowers overcome two of the greatest barriers to homeownership: down payment and closing costs.
            Learn more
                                Shared Equity Programs
  Support borrower homeownership goals through Community Land Trusts and other shared equity programs.
            Learn more
Affordable Refinance
  



RefiNowTM
  A refinancing option with expanded eligibility, providing more opportunities for lenders and current Fannie Mae borrowers alike.
            Learn more

  

  ARM Loans, High-Balance Loans, Loan Limits and More
      View eligibility for adjustable-rate mortgages, high-balance loans, condo projects, and more.
      
                        




Eligibility and pricing

  

  Additional resources
Fannie Mae HomeView®
                                Housing Counseling Overview
                                Mortgage Insurance Comparison
                                Affordable Housing Initiatives




Have questions?
      Get answers to your policy and guide questions, straight from the source.
              




Get Started
  
  Work with Fannie Mae
  Customer Login
                                Password Reset
                                Not a customer? Get Started
                                Products & Solutions
  Mortgage Products & Options
                                Technology Apps & Solutions
                                Support & Resources
  Customer Service
                                News & Events
                                Learning Center
                                Guide Forms
                                Other Sites
  The Marketing Center
                                Fannie Mae's Consumer Website
                                Duty to Serve
                                HomePath
    
    
  

      
Social media
  

        
            Follow us
    Footer menu
  

        
            Suppliers
          Careers
          Contact Us
          Legal
          Privacy
                Cookie Preferences
            © 2024 Fannie Mae