It was founded in 1938 by Congress as a government-sponsored enterprise in order to provide funding to make housing more affordable. The letters also urge you to call a number. Any aggressive enhancements made to Fannie Mae eligibility will always be listed on their website, as well as information on whether you qualify or how you can take advantage of these enhancements. Typically, an apartment property that receives Fannie Mae Credit Enhancement looks like any other multifamily project. proposed in December 2021, that requires Fannie Mae and Freddie Mac to submit annual capital plans to the agency and provide notice prior to taking certain capital actions. It is there that you will find information on refinancing, disaster relief, payment deferral and affordable mortgages. Fannie Mae's "RefiNow program aims to lower the interest rate homeowners pay on their mortgage, and, therefore, the amount they pay monthly. Fannie Mae was founded back in 1938 to create more affordable housing within the United States and has been publically traded since 1968. Just put that same letter through the shredder. This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. Offers may be subject to change without notice. May 5, 2021 RefiNow Expands Eligibility to Help More Homeowners Reduce Their Monthly Mortgage Payment WASHINGTON, DC - Fannie Mae (FNMA/OTCQB) today issued additional details about its new RefiNow option, which is available for qualifying homeowners with a Fannie Mae-owned mortgage beginning June 5, 2021. This is a question our experts keep getting from time to time. In addition, we do not sell or distribute your personal information to non-affiliated third parties. Our ESG strategy builds on our mission to facilitate equitable and sustainable access to homeownership and quality affordable rental housing across America. Its operation makes affordable mortgages available to low-income Americans. Homeowners are advised to take advantage of a new Mortgage Stimulus Program before its gone. Create an account to follow your favorite communities and start taking part in conversations. Enhancements indicate positive changes, which Fannie Mae is always making. Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution. the villa pacific palisades, ca. 747 0 obj <>/Filter/FlateDecode/ID[<7C8F0A75F12966458171E2DDD3BE6982><305DC1B236721E44841681C527C5CCA0>]/Index[724 58]/Info 723 0 R/Length 113/Prev 208454/Root 725 0 R/Size 782/Type/XRef/W[1 3 1]>>stream Conventional Loans A conventional loan is a mortgage that's not insured by a government agency. (adsbygoogle = window.adsbygoogle || []).push({}); Your email address will not be published. Both provide liquidly, stability and affordability to the mortgage market, making them crucial to the country's housing system. Why you got "Understanding FNMA Enhancement"? Saw this while I was on hold with the . Ilocated others online who received the exact same letter, but with a different financial institution listed at the bottom. The letters appear to come from JFQ Lending. Freddie Mac can be reached at 800-373-3343 or Freddie Mac's website. Lower-income borrowers typically refinance at a slower pace than higher-income borrowers, potentially missing an opportunity to save on housing costs. what is fnma enhancements letter 2021. We have reviewed severalof these letters and can confirm it is a scam. Borrower Owned Unit for Fractured Condo Regime. Conventional loans are the mortgages purchased by the government-sponsored enterprises of Fannie Mae and Freddie Mac. What is the difference between a Fannie Mae loan and a conventional loan? I also got an InterContinental Capital Group Inc. letter dated January 2022. No other attorney, will fight harder for your freedom! yup. This eliminates that possibility of being scammed by any fake FNMA Enhancement promises. Fannie Mae buys mortgages from larger, commercial banks, while Freddie Mac buys them from much smaller banks. What is the difference between Fannie Mae Freddie Mac and FHA? Initially announced April 28 by the Federal Housing Finance Agency, RefiNow makes it easier for eligible homeowners earning at or below 80% area median income (AMI) to refinance at a lower interest rate and reduce their monthly mortgage payment. Powered by Loebig Ink, LLC, Home | En Espanol | Site Map | Disclaimer, 8720 Georgia Avenue, Suite 301 | Silver Spring, Maryland 20910, Maryland Criminal Defense Crimes and Procedure, Domestic Violence Maryland Criminal Defense Attorney, Manslaughter Maryland Criminal Defense Lawyer, Second Degree Murder Maryland Defense Lawyer, Child Pornography Maryland Sex Crime Lawyer. hbbd```b``l6V "9A$XDLlm~d-U@dX=)$= R2_cv &30x? I agree with this advice and it applies to ALL things. No matter what financial questions you have, we're here to work with you on your terms. If you head over to Fannie Maes website, youll find a wealth of information under the Homeowners & Renters tab. Share: Fannie Mae and Freddie Mac are government-backed mortgage companies created by the U.S. Congress. *https://www.forbes.com/advisor/refiroadmap/, http://www.fanniemae.com/resources/file/aboutus/media/HARP-Research-Report-030613.pdf* Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau), 2021 HomeStimulusProgram.com | Legal | Contact | Sitemap. The number of units owned by a Borrower in a Fractured residential Condominium as of loan origination. Nailed it. 'gW7Kq5k; b Save my name, email, and website in this browser for the next time I comment. Subject: Lender Letter 2 1-02 - Loan Document Update . [Vf0K0Yo|e;I& k EP$wIGi1[Fphf! There are some bad apples out there trying to take advantage of legit changes to the FNMA enhancements. Top 7 Student Loan Consolidation Companies Lower Your Monthly Payment Today, What is a Leg in Stock Market? They perform an important role in the nation's housing finance system to provide liquidity, stability and affordability to the mortgage market. Thanks for your comment! Market Realist is a registered trademark. A general rule of thumb is that you should have at least 20% equity in your home if you want to refinance. Borrowers must have a Fannie Mae-backed mortgage for their house, where they must live. Yes, if you receive a notice FNMA Enhancements correspondence in the mail, it is a scam and you should immediately throw it in the trash. The Fannie Mae loan has a higher credit score requirement at 620 to 640 which is higher than the FHA loan. what is fnma enhancements letter 2021. Beware of specific indicators that require you to takespecific actions in an urgent matter. Because Fannie was started by the government,. Fannie Mae and Freddie Mac also have differences in lending requirements and programs. If you want to get rid of private mortgage insurance, you'll likely need 20% equity in your home. If you search for notice for FNMA enhancement, youll get a lot of scam warnings. I believe it is a legitimate communication from my lender, and Im curious as to why Im receiving it. To: Multifamily Lenders . This is NOT a secured email transmission. Freddie Mac was chartered by Congress as a private company serving a public purpose. Do you use an apostrophe in seasons greetings? 0 Link to some info below as well as an example: received this letter in the mail and did some digging. ~L+w&7K5)1M~2L!v"%P\`X0IrmxA"@c|8dbnu`!*O2d(g19{V+z *gzQ;7QD>+9m U@0K.2"q7Cx"86 Bf"f'MHPwr/IYB]\`X; Ad8v9WK WM?DjxvA0H1TNVfkXSHffZ)% pj1774H'7Tl wpg>v%|m}SXy 2Y{[ 4bI5Ux| ^#%$HJM_f WyBSbxzu}9J^bs6jg`g3iW#t|+zd{i0q"3&Nge},2XRYS,R ho{dlrgejjfyKKL4C9F1]WEbX1QBj ch($L8+0Q$'~l6-U1;S|PhKObBKTMDr]D^D |jo'PchOhGLyg$s4|wIbHo&TcU O$ w3>#ZPuC^yFq.Y6mr}8LTE! , To get the necessary information, call our office at ***-***-**** before (date). (adsbygoogle = window.adsbygoogle || []).push({}); Have you received an FNMA Enhancement Notice? Help me understand this letter from lender - what are "FNMA Enhancements"?? Under the temporary eligibility guidelines, effective immediately, homeowners who missed payments and entered into a loss mitigation solution - such as a repayment plan, payment deferral, or loan modification - are eligible for a new refinance or purchase mortgage after three timely payments. When determining eligibility criteria for the Fannie Mae Flex Modification, the mortgage loan must not have been modified three or more times previously, regardless of the mortgage loan modification program or dates of prior mortgage loan modifications. (301) 589-9500, I have read and understand the disclaimer. March 15, 2021 . Where do balloons go when you release them? Home; About Us. Our team has collected thousands of questions that people keep asking in forums, blogs and in Google questions. My mortgage was sold to another lender as often happens, last month. Maryland 20910, Do you have any questions? !-O }Z_ HWn6}7X"I6Em}p&+]YmCik(6u3g~l_2(=(|LY4{=~6AO4/Nfa7pribxqX&O hG5&qFp7#X%YC:+&J 2kYc#K&8q?k;|2belh m:C\c0#*nTyN@A}#) `#fSc[UX&ypYN3dMu1c MHl*\.9B?2Ek$1}B2vIbd=& Letter as necessary. The aim was to allow many homeowners (low-income borrowers) access to a lower interest rate and in turn, help them reduce their monthly mortgage payments. hb```f``: @16 , GoNl Cv$NN/uM]"2' U'ErWaW0)DnT`lreTyb&&q)PNFa]+: u0Q*a4W@Z Welcome to Sharing Culture! 724 0 obj <> endobj Updated Portfolio Functionality: Upon activating the Deal Paydown Alert for the portfolio, the alert will display in the portfolio when the factor for a security within the portfolio goes to zero on Business Day 4. endstream endobj 729 0 obj <>stream It was designed to help re-start the housing market after the Great Depression. Scammers can get your contact information by searching through these records. Fannie Maes new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae. In any case, it's best to contact your lender and inquire about any special benefits being offered. One red flag to watch for, according to ProFed, is the account not matching your account number. Standard: A residential condominium that is operated as a multifamily property and the borrower owns all of the units in the building (or other designated area). What is the purpose of FNMA? January 14, 2021 Fannie Mae will be implementing the following enhancements to DUS Disclose on January 29, 2021: Updated Portfolio Functionality: Upon activating the Deal Paydown Alert for the portfolio, the alert will display in the portfolio when the factor for a security within the portfolio goes to zero on Business Day 4. Is Freddie Mac a government agency? The primary difference between Freddie Mac and Fannie Mae is where they source their mortgages from. endstream endobj startxref I appreciate the info. As the Federal National Mortgage Association (FNMA) enhances loan terms, some people get FNMA enhancement letters. Have a great day and thanks for your thoughtful comment! ProFed members are reporting thatthey havereceivedletters in the mail telling them to call a numberregarding their mortgage before a certain date to benefit from a cash disbursement, shortened payment term, or lower mortgage payment. Copyright 2023 Market Realist. %PDF-1.6 % We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of ProFed Federal Credit Union. Fannie Mae Single-Family Loan Performance Data, Multifamily Connecticut Avenue Securities, Multifamily Connecticut Avenue Securities Transactions, Multifamily Credit Insurance Risk Transfer, Noncallable and Callable Debt Issuance Detail, Noncallable and Callable Debt Outstanding Detail, Noncallable Benchmark Securities and Bonds Outstanding. The letters appear to come from JFQ Lending. These may not qualify as full-fledged scams but they're still deceptive marketing. To help expedite the process, please have your eligibility code available when calling. 3, 2020. It started the program for 2021 on June 5. They prominently list your lender's name and maybe other official info, but probably got it from public records. Posted: November 23, 2021 in Credit Union Updates. Just got one, they used a little window in the envelope to call it a "Notice of FNMA Enhancement" and list my current lender's name, making it seem like it was from them. oPVx+HDJ j#"j'"/HA#IA&z4H Chinese Granite; Imported Granite; Chinese Marble; Imported Marble; China Slate & Sandstone; Quartz stone Then elsewhere it says, "Proposed Lender: JFQ Lending, Inc." Deceptive marketing. This allowed many homeowners to reduce their monthly mortgage payments by locking in a lower interest rate. mine had small type that said *Entrust Funding is not affiliated with your current lender, Just got one of these and thats exactly what it is! "Recent amendments to. Fannie Mae provides credit enhancement for tax-exempt bonds issued to finance the acquisition, new construction, refinancing, or moderate to substantial rehabilitation of affordable housing multifamily properties with Low Income Housing Tax Credit (LIHTC) rent restrictions. Waiving the 50 basis point up-front adverse market refinance fee that Fannie Mae otherwise charges to lenders on balances at or below $300,000. At least one borrower must be a first-time homebuyer. Hopefully no one falls for this crap. It seems that the benefits you get are too good to be true. Try calling your lender at the number on your mortgage statement (NOT in that letter) and see what they say. Please have eligibility code ********* ready when calling our Enhancements Help Desk to discuss your new loan information. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2023 by The Law Offices of Gerstenfield & Demirji, PC. Thanks! The policies in this Lender Letter are effective immediately and until Fannie Mae provides further notice, unless otherwise stated. The letters ask you to call1-833-782-0648and warns you to call before a certain date to secure economic benefits. From: Te-Mika Warner, Deputy General Counsel . Probably why I got this same "FNMA Enhancement" letter from JFQ Lending. FNMA scamsters get your information about mortgages from public records. Press question mark to learn the rest of the keyboard shortcuts. The loan is made by a financial institution or other lender Because we are in a world where there is so much desperation, I am relieved that there are places to see that these things are scam. Lender Letter (LL-2021-02) Updated: May 4, 2022 To: All Fannie Mae Single-Family Servicers If youre looking to consolidate a student loan, check out our article: Top 7 Student Loan Consolidation Companies Lower Your Monthly Payment Today. Homeownership is hard enough with out predators trying to take advantage of FTHB. Fannie Mae says that conventional loans typically require a minimum credit score of 620. Fannie Mae is also reminding servicers to submit to Fannie Mae all servicer-approved mortgage loan modifications in HomeSaver Solutions Network (HSSN) as "closed." 0 THANK YOU! CxpYM{:-4S{R'._-z9kU]d=yo(tr2uz8&.:c`{GEsz4qE!;! If you haveany questions or concerns regarding the letter, weencourage youtocontact us directly. So, feel free to use this information and benefit from expert answers to the questions you are interested in! I think the more people that can warn others the better! Thank you so much! Now, we have got the complete detailed explanation and answer for everyone, who is interested! You need at least 3 percent for your down payment. @ >/Metadata 29 0 R/Pages 722 0 R/StructTreeRoot 48 0 R/Type/Catalog/ViewerPreferences 748 0 R>> endobj 726 0 obj <>/MediaBox[0 0 612 792]/Parent 722 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 727 0 obj <>stream When will fnma be released from conservatorship? %PDF-1.7 % Feb. 01, 2023. Here's a scam warning from another bank about a very similar letter. These companies have stated that these notices are a scam and that they're not associated with them in any manner. Fannie Mae and Freddie Mac also have differences in lending requirements and programs. Vh4M &sYkf9r}\yB 4'N6`E?F7\eiyA,@$9\nftlc3c`fMDzy:/`M4Y B1. The bottom of the letter states that, "This is a third-party offer from JFQ Lending, Inc.". Required fields are marked *. XA;3Pr#ASX x~[Vy # ^y*xgIAx.;Ix>T<>ui/&q^f7uQ]!hDY8YZ`&RY1PVo5+$;/#/r6OOg#Pt'iP4/_nf. For the most recent reporting period, the total quantity of electricity generated annually by the existing onsite electricity generation system (measured in kBtU). 11/29/2012- Fannie Mae Lender Letter 2012-11 Confirmation of Conventional Loan Limits for 2013 Both reasons have to do with the strict guidelines imposed because FHA loans are government-insured loans. Yesterday, I received a Notice of FNMA Enhancement in the mail. Some letters may describe a third-party offer from a particular lender that's not approved nor affiliated with your current mortgage lender, the FNMA, or any other government agency. ProFed is not responsible for the content of the alternate website. Enhancements to support borrowers with non-traditional credit: aligns policy with eligibility expansions to the cash flow assessment and other risk . FHA loans are insured by the Federal Housing Administration, and conventional mortgages aren't insured by a federal agency. Very misleading and deceptive practice. Company Information; FAQ; Stone Materials. Maybe try a search? Providing a $500 credit from Fannie Mae to the lender at the time the loan is purchased if an appraisal was obtained for the transaction. Exactly the same as the letter I received. orlando to fort pierce train; dod personnel who suspect a coworker of possible espionage should; boyd funeral home marion, ohio obituaries; horner's syndrome in cats after ear cleaning; Disclosing your personal information could result in an unfortunate series of events impacting your finances and privacy. 8720 Georgia Avenue, Suite 301 Silver Spring, This program provides low borrowing cost, flexible structures, and a . While Fannie Mae doesnt issue mortgages to consumers or lend them money, they do buy mortgages directly from lenders. This refinancing could save homeowners an estimated $100 to $250 per month. To qualify for RefiNow, homeowners must have: Statements from Fannie Mae Board Chairwoman Sheila C. Bair and Fannie Mae CEO Hugh R. Frater on FHFAs announcement of the new Enterprise refinance option are available here. If so, let us know in the comments below! HIGHLIGHTS Fannie Mae is announcing updates to the Loan Documents which may be used immediately and must be The other major reason sellers don't like FHA loans is that the guidelines require appraisers to look for certain defects that could pose habitability concerns or health, safety, or security risks. This citation states that using these . 781 0 obj <>stream Multifamily Mortgage Business Lender Letter 2 1-02 . If you call it, remember not to share any personal information, as it could result in a spam attack and financial loss. manchester united annual turnover; what dallas city council district am i in endstream endobj 728 0 obj <>stream Note: Due to the number of homeowners positively affected by these changes, call volume may be high. Has anyone else received something like this? By accessing the noted link you will be leaving ProFed's website and entering a website hosted by another party. This is the actual letter Ireceived. How the letters are sent They make it look like it's from your lender and give you a ref # to provide when you call in so they can feel the nibble and know to go after you. antigen test folkestone; celina ohio high school football stadium; rusty coones height; couple painting easy; outlander birthday cards; what countries have the same climate as britain They perform an important role in the nation's housing finance system - to provide liquidity, stability and affordability to the mortgage market.They provide liquidity (ready access to funds on reasonable terms) to the thousands of banks, savings and loans, and mortgage companies that make loans to finance housing. to replenish their funds. This gives lenders the money to provide new mortgages for more homebuyers. A scammer is using their name and instead of calling the actual company, you will be calling them if you use the phone number in the notice. Fannie Mae (FNMA) was started by the federal government in 1938. Choose Know Your Options from the drop-down menu. . FHA loans allow lower credit scores than conventional mortgages do, and are easier to qualify for. mortgage enhancements do not only make your mortgage more affordable but also your refinancing, modifications are usually geared toward altering the conditions of pre-existing loans. Menu ceramic cutting tools advantages and disadvantages. Just got a letter from my mortgage administrator, Fannie Mae backed mortgage, saying that I may qualify for a $3000 payout, lower monthly payment and shorter term due to FNMA enhancements. 74=? . Lender Letter LL-2021-03 - Impact of Covid-19 on Originations February 15, 2023 Lender Letter LL-2021-03 - Impact of Covid-19 on Originations This Lender Letter provides reminders and temporary flexibilities to support mortgage originations. To enhance this particular program, FNMA expanded its eligibility back in June 2021. The FNMA, more popularly known as Fannie Mae, is a government-sponsored, publicly traded enterprise. Conventional loan down payment requirements The minimum down payment required for a conventional mortgage is 3%, but borrowers with lower credit scores or higher debt-to-income ratios may be required to put down more. In fact, ProFed Credit Union warned their customers of this FNMA Enhancement scam when they were notified that their clients were receiving the letter from JFQ Lending. Conventional loans allow slightly lower down payments. Took a look at the bottom and boom. Its always good to double check, especially if your transaction involves money. Some benefits could include a cash dispersement of $1,323.66, a shortened payment term or a lower mortgage payment. I received a letter last week, was looking at it just now and found this post. While lenders arent required to participate, many do, including Quicken Loans (Rocket Mortgage). Instead, go straight to the Fannie Mae website and contact them from there. Another name you most likely know this organization by is Fannie Mae. 710 0 obj <> endobj Yes, thats my hope. Fannie Mae is a corporation that provides the funding for mortgages by buying them from banks or other non-bank lenders like Rocket Mortgage. Fannie Mae helps make the 30-year fixed-rate mortgage and affordable rental housing possible for millions of people in America. At ProFed, we work hard to ensure your information is secure and protected. It also lists resources we offer to inform and assist you, especially if you ever have a financial hardship or need help recovering from a natural disaster. It borrows in the debt markets by selling bonds, and provides liquidity to loan originators by purchasing whole loans. @;HP( a30=@,`4`g\#wFgoF9%uSKmIse 4V1B@p:z C 758 0 obj <>stream If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could be a scam! The FNMA DUS Loan Program is also used as a Fannie Mae Credit Enhancement, a tax exempt bond issue of a state or local housing finance authority that is providing multifamily affordable housing. It's important to note that information about mortgages is on public record. (adsbygoogle = window.adsbygoogle || []).push({}); As you can see from the letter I received, the financial institution listed is Intercontinental Capital Group Inc., but others have received the same letter from the financial institution JFQ Lending. If you call the number listed, it may connect you to an automated recording or a person. Fannie Mae makes money partly by borrowing at low rates, and then reinvesting its borrowings into whole mortgage loans and mortgage backed securities. MBS for Bonds Fannie Mae MBS: issued to . be seasoned at least 12 months (from the original note date to new loan note date). Look carefully, I'd be willing to bet it's not actually from your current lender. Press J to jump to the feed. be a conventional mortgage loan owned or securitized by Fannie Mae. Here's a scam warning from another bank about a very similar letter. Stay safe all. This helped a lot! Do not share your personal information under any circumstances. Thanks for the post. ?/fG_X$d#evUd:ev]|oXTtvS^\TzlWR4?BPF8\iS1TRm>'@xa6aG25N&/p > aa-QXj v Frge:XEX@D7f(a p*s:5Zndm>lTMm5=.uZ,ob'T$XX$b@yI4%Hq%-;d9-F4mex|s2}-b|R-D6OkkS16llh6]B~%|d(ISnlnkr? hbbd```b``"WH uX," ``r5Bz^ 9&WM D ] REH2j` RHONw ;~ These changes will generate economic benefits for those, like you, who have a conventional mortgage. I quickly discovered that this FNMA enhancement letter was a scam. vG6YikU] ")/~62x[1x A`Q n\ 5`uB^b`G' ,br=x^Wg[!3R'7$>6hmk{eW.> [ bEG\~*2/od-kW,RM/mo8F;Ol2?P` hXmo6+b;"@^MW42@5\m=G*V4 B (% .^Bz 4SW5S_8hXEP` Learn about our RefiNow enhancements: https://t.co/1DECdVYLF6 pic.twitter.com/odt9xm75Nc. ProFed reminds customers that their mortgage information is public record, which means anyone can search and discover information about your mortgage, including scammers. Just got a letter from my mortgage administrator, Fannie Mae backed mortgage, saying that I may qualify for a $3000 payout, lower monthly payment and shorter term due to "FNMA enhancements". I just got the same letterits for refinancing of mortgages. Youre very welcome and I totally agree that we are in a time when it is easy to fall victim to these scams. This Stimulus Program is aimed to help average American citizens and stimulate the economy. Indicates if the mortgage loan may/will be cross defaulted and/or cross collateralized in the future with another mortgage. Please do not send personal/financial information via this method. mine was sold many many years ago and they still got the mortgage company wrong. To see if you live in an active zip code, just click below. Fannie Mae was chartered by U.S. Congress in 1938 to provide a reliable source of affordable mortgage financing across the country. Requiring a reduction in the homeowners interest rate by a minimum of 50 basis points and a savings of at least $50 in the homeowners monthly mortgage payment. Freddie Mac HFA Advantage mortgage is a high loan- to-value (LTV) conventional offering that's an excellent alternative to FHA lending requirements and mortgage premiums. They are the same. provide Fannie Mae with copies of the existing interest rate hedge documents. %%EOF MBS Overview Creating a single-family MBS begins with a mortgage loan. This is your one-stop encyclopedia that has numerous frequently asked questions answered. The letter identifies your mortgage servicerthe company responsible for collecting your monthly payments on our behalf and providing customer service. Download Lender Letter Totally a scam. Mar 16, 2021 153 Dislike Share Save Scamadviser 26.7K subscribers If you get a notice of an FNMA Enhancements letter that offers you some loan, then please watch this video because it could. We are driving positive changes in housing finance to make the home buying process easier, while reducing costs and risk. That way you dont take a chance of being scammed or giving your personal information to the wrong person who could use it to do you harm! 0 A  )3L>85ndF}'|UIB2Smk# F_Jh 'bYd?O06:\H&(Z}o.8oC}nz,y^]eJYnD^*|RL*q Many people have received letters titled Understanding FNMA Enhancements. Some of these letters cite home loans from McKesson Emps Federal and JFQ Lending. Never use the contact information on a Fannie Mae Enhancements letter. Fannie Mae is tightening the underwriting criteria for second homes and investment properties, the government sponsored entity said in a letter to sellers on Wednesday. efPl`.Rb)cSO No. People may receive compensation for some links to products and services on this website. B*!x60-RkC>{y7W%!c2NVCSs9\@wN%h+vE-m/Fw5)}&pl qaTcg/6k8d[{"UBR(gA279ar#DH6RNGd'l":({*T7yl3v?1_ya)>p^rtC0cI\)1PL[K-r};Qd-6{qVos3L'9AmExuE^E_r-sg3 F0wH2"0$2Y-Yf9n5^5Yy_' kt9 ^ A00o_y3 ~/ ;N"1m h