Housing Median Income Search

Determine Housing eligibility for Fannie Mae's Area Median Income Search Bank Owned Homes Housing search .MyCommunityMortgage® (MCM®) product.
The 2009 AMIs will be valid until the 2010 AMIs are issued next year (usually mid-year). Please note that Fannie Mae must use the AMIs provided to us by FHFA to determine Fannie Mae's performance on its 2009 regulatory housing goals. For determining Fannie Mae loan eligibility, lenders should refer to these AMIs and may not rely on other published versions (such as AMIs posted on huduser.org).
Search for a 2009-10 AMI by city (MSA) or County (you can also search an entire state by leaving the MSA/County line blank).

Fannie Mae Value Property GeoCoder

The Fannie Mae Property GeoCoder is a free, Department of Housing and Urban Development (HUD) information in real time. This information enables housing professionals to determine a  characteristics related to the property location, including whether a property qualifies for the FannieNeighbors® mortgage option.Fannie Mae Value Property GeoCoder .


The Fannie Mae Property GeoCoderSM enables lenders and other housing professionals to quickly determine whether properties being considered for purchase qualify for a suite of Fannie Mae mortgage options and Community Lending products. These include: the underwriting flexibilities of Fannie Mae's FannieNeighbors® mortgage option, the Self-Help Initiative, and the Smart Commute mortgage pilot.

Geocoding assigns a latitude and longitude to a property address to identify its geographic location. Properties located in eligible areas qualify for the mortgage underwriting flexibilities offered by FannieNeighbors, the Self-Help Initiative, and the Smart CommuteSM mortgage pilot.

New Mortgage Up-to-date

Mortgage Product Access New Mortgage Up-to-date the Home Affordable Refinance Program Overview, Announcements, and Resources Products Check out Fannie Mae's newest product offerings to help lenders serve more borrowers, including two new refinance options Up-to-date information and easy-to-use resources
New Mortgage Up-to-date All Product Guide.
Fixed
7-Year Balloon
10-Year
15-Year
20-Year
30-Year
40-Year
Community Living®
Community Seconds®
Expanded Approval®
Flexible 97®

High-Balance Feature
HomeStyle Renovation
Interest-Only
MyCommunityMortgage®
Native American/Section 184
Native American/Section 248
Rural Development/Section 502

ARM
1/1
3/1
5/1
7/1
10/1
Community Seconds®
Expanded Approval®
Flexible 97®
High-Balance Feature
HomeStyle Renovation
Interest-Only
MyCommunityMortgage®
Native American/Section 248
Uniform Hybrid 5/1

Reverse
Home Equity Conversion Mortgage (HECM)

D4L Deed 4 Lease DIL

Deed-for-Lease Program Announced.A new option for qualified borrowers facing foreclosure (or their tenants) to remain in their home by signing a lease in connection with the voluntary transfer of the property to the lender through a deed-in-lieu of foreclosure transaction.

Deed-for-Lease Servicing Guidelines,Deed-for-Lease Program (D4L), allowing qualified borrowers (or tenants) with properties transferred through deed-in-lieu of foreclosure (DIL) to remain in their home by executing a lease in conjunction with a DIL.With the D4L program, servicers should follow their regular process – in accordance with Fannie Mae's workout hierarchy – in considering a borrower for a DIL.


If a borrower is eligible for a DIL (as determined by the servicer), the servicer should notify Fannie Mae if the borrower may also be eligible for the D4L program based on an initial screen of predetermined eligibility criteria.Transfer of property Deed 4 Lease.D4L Deed 4 Lease DIL
- Fannie Mae, or its designee, will take the steps necessary to further verify the property and borrower eligibility, determine the rental rate, and, if appropriate, execute the lease agreement.
- To qualify for D4L, the occupant of the property must have the ability to pay market rent (not to exceed 31 percent of his or her monthly gross income).
- The D4L agreement will be contingent on successful completion of the DIL.