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HomeReady™

Expanded eligibility and payment flexibility can now put home ownership within your reach.

Husband and Wife outside their new home
You might just be more HomeReady than you thought!
  1. Overview

Overview

Thanks to the HomeReady program from Fannie Mae®, expanded opportunities now exist for securing a home loan. If you’ve held off applying for a mortgage because you weren’t sure you’d be eligible—or if you are just starting to explore the process—this is an important option to know.

With HomeReady, you can:

  • Qualify for a loan with as little as 3% down payment
  • Use income from non-borrower household members to qualify
  • Include co-borrowers who won’t reside in the home
  • Use gifts and other nontraditional sources of funds to cover down payment or closing costs

With all these borrower-friendly features, the HomeReady program could be the key to the home loan you’ve always wanted.

Need a real estate agent?

Get a referral through our HomeAdvantage™ program1 and partner with an experienced and trusted agent to help you navigate HomeReady and all your home buying options.


For more information, apply online at the Home Loan Center, or visit your nearest Service Center.

Get Started!

1States and/or major metropolitan areas included in the HomeAdvantage program include: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, MA, MD, MI, MN, MO, NC, NH, NM, NV, NY, OH, PA, TX, VA, WI, and WV. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of rebates vary by state.