97% LTV Options

Fannie Mae offers 97% LTV/CLTV/HCLTV financing options to help lenders serve qualified home buyers and to support refinance of Fannie Mae loans. This is part of our ongoing efforts to expand access to credit for creditworthy borrowers and to support sustainable homeownership.

Are You a Homebuyer?

Contact your lender for more information, or go to KnowYourOptions.com.

Related Links

$75 Framework course fee is now waived new

On October 23, Fannie Mae officially began waiving the $75 Framework homeownership course fee, removing the cost burden and potential cost hurdle for your borrowers. To learn more about this change along with other upcoming homeownership education changes, click here.

97% LTV Options

Customizable Materials

  • Marketing Center

    Find easy-to-customize materials on the Fannie Mae Marketing Center to inform potential home buyers and housing partners.

DU Underwriting Requirement

Access to Credit Commitment

What's New

Down Payment Assistance

  • Down Payment Resource

    This free online tool may help identify sources of down payment assistance for your borrowers. This is a third-party website that is not managed or backed by Fannie Mae. This hyperlink is provided for lender information and convenience only, and the tool is not endorsed by Fannie Mae.

More Resources for Lenders: Homeownership Education and Housing Counseling

To meet the homeownership education requirement for a HomeReady mortgage, borrowers must complete the online Framework education program. Borrowers seeking additional assistance also can be referred to a HUD-approved counseling agency.