Innovation

A pioneer since 1938, Fannie Mae works to deliver on our mission to provide liquidity, stability, and affordability in housing finance while driving the industry forward.  We’re leading with innovative solutions to help make mortgage lending more efficient and better as customer and market needs change.
We’re committed to developing applications and technology that give our customers and their borrowers greater speed and clarity.

• Fannie Mae’s Desktop Underwriter® (DU®) delivers a comprehensive credit risk assessment so lenders can make informed mortgage underwriting decisions. With a suite of powerful capabilities, DU can help lenders transform workflows, pre-qualify with soft credit, leverage positive rent payment history, and more.
• The Income Calculator easily calculates income for self-employed borrowers. With this new tool, lenders can maximize the borrower’s income while increasing the certainty of the calculation to help reduce risk of repurchase.
• Ask Poli® is an intelligent business tool that helps Fannie Mae's approved mortgage sellers and servicers answer their policy-related questions with fast and accurate information straight from the source. Ask Poli gets smarter every time you search – real people see your questions, read your feedback, and fine-tune to enhance your experience.

New financing options help our lenders provide affordable single-family mortgages and rental housing for more people in the U.S.

• MH Advantage®, which combines a down payment as low as 3% with a lower price point for modern, single-family manufactured homes designed for traditional neighborhoods. 
• Incentives for the use of Tenant Site Lease Protections, which help preserve affordability for residents in manufactured housing communities. 
• Our HomeStyle® Energy mortgage, which allows both homebuyers and existing homeowners to finance or pay off energy-saving improvements.
• Healthy Housing Rewards™, which provides financial incentives for borrowers who incorporate health-promoting design features and/or resident services into newly constructed or renovated multifamily rental properties. 

We share our expertise and data to support broader, industry-wide innovation. 

• Through APIs on the Fannie Mae Developer Portal, find quick and easy access to housing data that can help drive business efficiencies, improve the borrower experience, or explore housing topics and trends. Sharing our data with industry partners and academic institutions lets us work together to address affordable housing challenges with data-driven solutions.
• Our economists, analysts, and thought leaders uncover important housing trends and insights. Our expert research is readily available to the public, enabling better transparency and informed decision-making for a safer, smarter housing market. We combine our expertise and scale with innovation to seek out and deliver new ways for our customers and the U.S. housing finance system to meet the affordable housing needs of the future.

Our innovative capital markets offerings promote sustainable housing and attract global capital to the U.S. housing market. Please visit our capital markets webpages to learn more.