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Fannie Mae and Freddie Mac are government-backed mortgage agencies that bring Wall Street money to Main Street through mortgage companies, including mortgage brokers, mortgage bankers, and retail banks. Fannie Mae and Freddie Mac are combined under the Federal Housing Finance Agency (FHFA) and have similar mortgage approval standards and down payment requirements.

Fannie Mae's official name is the Federal National Mortgage Association (FNMA). Freddie Mac's official name is the Federal Home Loan Mortgage Corporation (FHLMC).

TIMESTAMPS
0:00 Intro
0:43 What Does Fannie Mae do? What does Freddie Mac do?
1:08 The 1930s, The Great Depression, and Housing
2:04 The History of the FHA and FHA-insured mortgage
2:48 The History of the VA Loan (Department of Veterans Affairs)
3:23 The History of the USDA mortgage (US Department of Agriculture)
3:44 The FHA, VA, and USDA failed to meet demands for mortgage
4:04 Fannie Mae is created (Federal National Mortgage Association)
5:28 The History of the Mortgage-Backed Security (MBS)
5:54 Freddie Mac is created (Federal Home Loan Mortgage Corporation)
6:16 The FHFA is created (Federal Housing Finance Agency)
6:36 Features of Fannie Mae and Freddie Mac mortgages
7:01 Outro

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Homebuyer.com is powered by Novus Home Mortgage, a division of Ixonia Bank, NMLS 423065. www.nmlsconsumeraccess.org The content in this advertisement is for informational purposes only. Homebuyer.com is located at 230 Findlay Street, Cincinnati, Ohio 45214. Call Homebuyer.com at 513-824-8171. Novus Home Mortgage, a division of Ixonia Bank, is located at 20225 Water Tower Blvd, Suite 400, Brookfield, WI 53045. Reach Novus Home Mortgage by phone at 844-337-2548. We have no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. US Government agencies have not reviewed this information, and this site is not connected with any government agency. Equal Housing Lender. Mortgage applicants are subject to credit and underwriting approval. Not all applicants will be approved for financing. The receipt of an application does not represent approval for financing or an interest rate guarantee. Restrictions may apply, contact Homebuyer.com for current rates and more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Homebuyer.com does not guarantee the quality, accuracy, completeness, or timeliness of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Third parties may have provided some information in the publication, which Homebuyer.com has not necessarily verified. Homebuyer, its affiliates, and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

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