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You’ll find a wide selection of mortgage loans that are nearly as diverse and unique as the customers who rely on them.
Enables affordable housing opportunities for borrowers with low-to-moderate income.
*Area Median Income data source is Fannie Mae.
The Fannie Mae HomeReady® Loan program offers fixed-rate mortgage loans designed to make home ownership more accessible for more people. Created to meet the needs of borrowers with low-to-moderate income, HomeReady™ offers affordable financing with flexible terms.
Wide range of down payment and closing cost funding sources accepted including gifts, grants, cash-on-hand and Fannie Mae Community Seconds.
Gives you the peace of mind that comes with a consistent, stable interest rate.
The main value of a fixed-rate mortgage is its interest rate doesn’t change. If interest rates are low, and your credit score is optimal, a fixed rate mortgage could lock in the best rate possible for the duration of your mortgage.
Looking to refinance your current home mortgage? Refinancing options are available.
When you refinance your home, you replace your current mortgage with a new, more favorable one. There are many reasons why refinancing your mortgage could be a good idea, like taking advantage of lower interest rates. You can also leverage your financial position if it’s greatly improved since you were approved for your initial mortgage.
If you have equity in your home, you may be able to take out a new mortgage for more than what you owe, so you can use the extra cash for other expenses. Refinancing could also eliminate your private mortgage insurance (PMI) payments.
Other reasons are to avoid a balloon payment or refinance an adjustable-rate mortgage to a fixed term.
Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process.
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