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2. MISMO - Wikipedia

   en.wikipedia.org/wiki/MISMO

   MISMO standards are accepted and deployed by almost every entity involved in creating or regulating mortgages in the United States, including banks, credit unions, mortgage lenders, Fannie Mae, Freddie Mac, Ginnie Mae, the Federal Housing Administration and the Consumer Financial Protection Bureau, in addition to settlement services providers ...

3. Fannie Mae - Wikipedia

   en.wikipedia.org/wiki/Fannie_Mae

   The bill, if it were passed, would modify the budgetary treatment of federal credit programs, such as Fannie Mae and Freddie Mac. [91] The bill would require that the cost of direct loans or loan guarantees be recognized in the federal budget on a fair-value basis using guidelines set forth by the Financial Accounting Standards Board. [91]

4. Mortgage industry of the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_industry_of_the...

   Origination is regulated by laws including the Truth in Lending Act and Real Estate Settlement Procedures Act (1974). Credit scores are often used, and these must comply with the Fair Credit Reporting Act. Additionally, various state laws may apply. Underwriters receive the application and determine whether the loan can be accepted.

5. What is Fannie Mae? All about America’s big mortgage ... - AOL

   www.aol.com/finance/fannie-mae-america-big...

   Fannie Mae does not sell mortgages directly to consumers, but it does offer different loan products (obtained through approved lenders) and also provides counseling networks, educational services ...

6. Cash-out refinance explained: How it works — and when it can ...

   www.aol.com/finance/what-is-cash-out-refinance...

   General requirements. Credit score requirement. 620 to 680+ Loan-to-value ratio (LTV) 80% of home’s value (97% for Fannie Mae loans) Mortgage insurance. Required if you have less than 20% equity ...

7. Flex Modification Program (FMP): Everything you need to know

   www.aol.com/finance/flex-modification-program...

   For starters, Fannie Mae or Freddie Mac must own your loan, which means it must be a conventional loan. If you have a government-backed loan like an FHA, VA or USDA loan, those programs have ...