Fannie Mae is a government-sponsored enterprise (GSE) that supports mortgage lending by buying loans from lenders, which helps increase liquidity and affordability in the housing market. It doesn't lend directly to consumers, but it plays a massive behind-the-scenes role in making homeownership more accessible.

Key Features / Strengths:
Homebuyer Education
Offers HomeView®, a free, HUD-approved course for first-time homebuyers, including budgeting, mortgage terms, and the homebuying process.

Affordable Housing Support
Fannie Mae backs affordable mortgage programs like HomeReady®, designed for low-to-moderate income borrowers with as little as 3% down.

Market Research & Data Tools
Provides up-to-date housing market forecasts, mortgage data, and economic reports helpful for buyers, agents, and investors.

Disaster Relief Assistance
Offers information and programs to support homeowners affected by natural disasters.

Sustainability & Green Initiatives
Promotes energy efficiency through multifamily green financing and environmentally friendly housing policies.

Limitations:
Not a Direct Lender – Consumers cannot apply for a loan directly through Fannie Mae.

Content is More Institutional – Geared toward lenders and housing professionals, so navigation may be overwhelming for first-time buyers.

Programs Must Be Accessed Through Lenders – Borrowers must work with participating lenders to access Fannie Mae-backed mortgages.