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LOAN TYPES

CONFORMING LOANS

These mortgage loan products are offered by Fannie Mae and Freddie Mac, the former quasi-governmental institutions that are now in conservatorship to the federal government. The vast majority of all mortgages written today are purchased by these big investors. Their products have been called the “plain vanilla” offering by the industry. They offer little flexibility in their underwriting guidelines; in fact, any loan product that meets their underwriting requirements is said to be “conforming.”

 

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NMLS Consumer AccessSM Contains licensing/registration information on mortgage companies, branches and loan originator professionals licensed by state regulatory agencies participating in the Nationwide Mortgage Licensing System Registry (NMLS). - http://www.nmlsconsumeraccess.org/

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