HomeReady, a program by Fannie Mae, is designed to serve low-income and low-credit-score buyers looking to finance a home loan. You may be able to buy a home with little or no money out of your pocket by using gifts from friends or family toward your down payment.


  • Down payments as low as 3%

  • FICO from 620

  • Low income

  • First-time or repeat homebuyers

  • Homeowner education helps you understand and manage the long-term financial commitments of home ownership

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