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Fannie Mae vs. Freddie Mac: What’s the Difference?

Fannie Mae and Freddie Mac are major players in the mortgage market. Here’s how it affects you.

[Updated: Aug 23, 2021 ] Aug 23, 2021 by Aly J. Yale

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FOUNDED 1938 1970
TYPES OF LOANS THEY BUY Conventional, conforming Conventional, conforming
LENDERS THEY BUY FROM Large, commercial banks Smaller banks and credit unions (thrifts)
LOAN PRODUCTS HomeReady, 97% LTV, HFA Preferred, HomeStyle Renovation, Construction Loans, HomeStyle Energy, Manufactured Housing, Shared Equity/Homebuyer Assistance Programs, Native American Lending, RefiNow, High LTV Refinance, Adjustable Interest Rate Mortgages Home Possible, ChoiceRenovation, Enhanced Relief Refinance, Home One, Condo Unit Mortgages, Cash-out Refinance, No Cash-out Refinance, Super Conforming, Manufactured Homes, Affordable Seconds, CHOICEHome, CHOICEReno eXPress, Adjustable Interest Rate Mortgages, Community Land Trust Mortgages, Construction Conversion, Financed Permanent Buydowns, GreenChoice, and More

Got $1,000? The 10 Top Investments We’d Make Right Now

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