Homebuyers, Owners, & Renters
      
      Homebuyers, Owners, and Renters

          
                        Business Partners
                  Single-Family Business

Helping lenders serve homebuyers and homeowners with affordable mortgages
    
          Multifamily Business

Financing for quality, affordable rental housing in every market, every day
    
          Capital Markets

Reducing risk and enhancing housing finance liquidity
          About Us
                toggle
                Who We Are
                                              toggle
                        Awards and Recognition
                                                      Diversity and Inclusion
                                                              toggle
                                Employee Resource Groups
                                                                      Progress With Purpose
                                                      Employee Code of Conduct
                                                      Community Engagement
                                                      History
                                      What We Do
                                              toggle
                        Duty to Serve
                                                              toggle
                                Manufactured Housing
                                                                      Affordable Housing Preservation
                                                                      Rural Housing
                                                                      Research Initiatives
                                                                      Colonias Investment Areas
                                                      Homeownership
                                                              toggle
                                Access to Mortgage Credit
                                                                      Restrictive Covenants
                                                      Innovation
                                                      Mortgage Finance in America
                                                      Financial Performance
                                                      Disaster Resiliency and Relief
                                                      Pilot Transparency
                                      Leadership Team
                                      Corporate Governance
                                              toggle
                        Corporate Governance Guidelines
                                                      Fannie Mae Charter
                                                      Board of Directors
                                                      Committees
                                                      Committee Charters
                                                      Code of Conduct
                                                      Bylaws
                                                      Contacting the Board of Directors
                                                      Housing Reports
                                      Investor Relations
                                              toggle
                        Quarterly and Annual Results
                                                      Annual Reports
                                                      SEC Filings
                                                              toggle
                                All SEC Filings
                                                                      Annual Filings
                                                                      Quarterly Filings
                                                                      Current Reports
                                                                      Section 16 Filings
                                                                      Proxy Filings
                                                      Additional Disclosures
                                                              toggle
                                Monthly Summary
                                                                      Capital Disclosures
                                                      Stock Information
                                                      Current Stock Information
                                                      Contact Information
                                      ESG
                                              toggle
                        Learn about our business
                                                      Environmental
                                                      Social
                                                              toggle
                                Equitable Housing Finance Plan
                                                      Governance
                                                      Sustainable Bonds
                                                              toggle
                                Green Bonds
                                                                      Social Bonds
                                                      Reports & Disclosures
                                                              toggle
                                2021 ESG Report
                                      Research & Insights
                                              toggle
                        Forecast
                                                              toggle
                                Monthly Archive
                                                                      Weekly Archive
                                                      Surveys & Indices
                                                              toggle
                                National Housing Survey
                                                                      Mortgage Lender Sentiment Survey
                                                                      Fannie Mae Home Price Index
                                                                      Refinance Application-Level Index
                                                                      Special Topics
                                                      Publications
                                                              toggle
                                Fannie Mae Working Papers
                                                                      Housing Insights
                                                                      Partner Research
                                                                      Publications Archive
                                                      Perspectives
                                                              toggle
                                Archive - 2020
                                                                      Archive - 2021
                                                                      Archive - 2022
                                                                      Archive - 2023
                                      Newsroom
                                              toggle
                        News
                                                      Media Resources
          
                        Careers
                toggle
                Our Teams
                                              toggle
                        Corporate Teams
                                                      Data & Analytics
                                                      Digital & Technology
                                                      Mortgage & Customer Solutions
                                                      Risk Management
                                      Life at Fannie Mae
                                      Diversity & Inclusion
                                      Benefits & Professional Development
                                      Campus
          
                        Contact Us
                      
            Google Translate Disclaimer
            The Google Translate feature is a third-party service that is available for informational purposes only. Fannie Mae is unable to guarantee the accuracy of any translation resulting from the tool and is not responsible for any event or damage that occurs as a result of using the translations generated by the Google Translate feature.
            OK
  Translate
        Translation Disclaimer
          Chinese, Traditional
            English
            Filipino
            Korean
            Spanish
            Vietnamese
 FM Site Nav
  

        

Homepage
                    
      Fannie Mae logo
    Toggle navigation
      Rent
                
                All Renter Resources
                                      The Rental Process
                                      Make Your Rent Count
                                      Credit Basics
                      
            Buy
                
                All Homebuyer Resources
                                      7 Steps to Homeownership
                                      HomeView Homeownership Education Course
                      
            Own
                
                All Homeowner Resources
                                      Make the Most of Your Home
                                      Refinancing Your Mortgage
                                      When It’s Time to Sell
                      
            Get Relief
                  Manage Financial Uncertainty

All Resources to Manage Financial Uncertainty

Help for Homeowners

Help for Renters

Protect Yourself from Fraud
    
          Recover from a Disaster

All Resources for Recovering from a Disaster

Recovery Assistance for Homeowners

Recovery Assistance for Renters

Protect Yourself from Fraud
                      
            Calculators & Tools
                
                All Calculators & Tools
                                      Tools for Renters
                                      Tools for Homebuyers
                                      Tools for Homeowners
                                      HomeView® Homeownership Education Course
                                      Glossary
                                      Mobile AppToggle search
 Skip to main content
          
    
    Shared Equity Certification
  
      Home
                        About Us
                        What We Do
                        Shared Equity Certification
    Shared Equity Certification
Help your clients find better financing options
If you operate a community land trust, below market rate program, or another program that uses income and resale price restrictions (deed restrictions) to create long-term affordability, certifying your program can help you offer your homebuyers more financing opportunities and save your lending partners time.

Fannie Mae's Shared Equity Program Platform allows you to quickly and easily show that you meet conventional financing requirements in as little as 10 minutes, expanding your customers' borrowing options.
  
  
      Twitter
              Facebook
              Linkedin
              Email
Duty to Serve
                                                              Manufactured Housing
                                    Affordable Housing Preservation
                                                              Shared Equity Certification
                                    Shared Equity Resources
                                    Rural Housing
                                    Research Initiatives
                                    Heirship
                                    Colonias Investment Areas
                                    Supporting Native American  homeownership

  

  How it works

Fannie Mae works with lenders to make financing more available to homebuyers purchasing from a shared equity program. In return, lenders confirm that programs they work with meet certain industry standards and program requirements. By answering a few simple questions, you can let lenders know that you meet those standards, opening up new opportunities for your homebuyers to finance their mortgage.

**To complete the application you'll be asked to provide:**

Basic organizational information
	Contact information
	The legal document(s) (often a ground lease or deed restriction) that your program and homebuyers use to agree to resale and program restrictions in your shared equity homeownership program. You'll need to reference and upload these documents.Once submitted, your application will be reviewed and you will be notified of the results. Assuming your program meets the necessary requirements, the program will be added to the Certified Shared Equity Programs List.

Get started

  

  FAQs
    
      
            We have more than one program that I think qualifies, do I need to fill out the form multiple times?
    If your program, for example, uses both a ground lease and also a deed restriction you’ll want to add both legal documents for review. Once you’ve completed the application for your first program (ground lease), you’ll have the option to add the additional legal document (deed restriction). Your contact information will appear and you’ll be able to edit any information, but you’ll need to continue through the same questions ensuring they’re accurate for the new legal document as details such as the term of the resale restrictions may be different. Please be aware that you will need to complete your submission in one sitting. Applications that have not been submitted will not be saved and you will be unable to return to an incomplete application at a later time.

As a best practice, if you don’t have all of your documents and information available when you initially complete the application, you may find it easier to complete the application for your ground lease and submit that application and then start a new application for the deed restriction document with a different application.
              I started the form, but didn’t complete it. Should I start over?
    Yes, if you did not complete the form and submit your information, you will need to start the application form again.
              I’m having other issues related to form functionality. It’s hard to read or loading slowly.
    Check that your browser is updated to the latest version. We also recommend using a browser other than Microsoft Edge, if possible.

If you still need help, reach out to [email protected].
              I require accommodation in order to complete this form or have a question not addressed here.
    Please contact [email protected] for assistance.
              My program is just getting started. Can we apply?
    If your legal agreement between the program and homeowners (often a ground lease or deed restriction) is finalized, you can submit the application. There is no requirement to have existing units when you apply. If your program is certified, you will be responsible for providing updated documents if and when they change.
              Why does the form ask if the organization listed is the same as the entity on the legal document?
    We ask this question to understand whether the organization listed in your initial contact information is the same as the organization named in the legal agreement between the homeowner and the program. This question does not seek to understand if your funder(s) are named within your legal documents—only whether the legal agreement is signed by the homeowner and your organization, or a different organization. This may be the case if a nonprofit organization is paid to administer, steward, or provide monitoring and compliance for a municipal or other nonprofit’s portfolio of affordable homeownership units.

Our Company
    About Us
      Contact Us
      Careers
      Investor Relations
      Newsroom
      Research & Insights
      ESG
  Business Partners
    Single-Family Business
      Multifamily Business
      Capital Markets
	      Suppliers
      Developer Portal
  Homebuyers, Owners, & Renters
    Educational Resources
      Credit Basics
      HomeView Homeownership Education Course
      HomePath - Search for Homes
      Make Your Rent CountCalculators & Tools
      All Calculators and Tools      Glossary of Key Terms
      Mortgage Calculator
      Down Payment Assistance Search Tool
      Mobile AppLet Us Help You
      Contact a Housing Counselor
      Manage Financial Uncertainty
      Recover from a Disaster
    
    
  

      
Social media
  

        
            Follow us
          Follow us
          Facebook
          Twitter
          LinkedIn
          Instagram
    Footer
  

        
            Legal
          Privacy
          Digital Accessibility
                Cookie Preferences
            © 2024 Fannie Mae