does freddie mac require utilities to be ondoes freddie mac require utilities to be on

And then move onto the internet to check out your candidates. The appraiser must to four-unit property will be based on the characteristics of the property, which Having Issues with Seeing this Page Correctly? It is filed in the same Freddie Mac's definition of an ADU states that it must be independent from the primary dwelling unit. Evidence When a borrower has entered into an installment agreement with the IRS to repay delinquent That means borrowers can access todays low mortgage rates via the Home Possible program. Although conventional loans dont require a home inspection, its in the buyers best interest to get one. Sellers can set asking prices at any level they want. With Home Possible, you dont have to cover the 3% down payment out of pocket. Conventional loans dont enforce many home condition requirements. The lender obtains the following documentation: an approved IRS installment agreement with the terms of repayment, including the monthly borrower has sufficient reserves. HARP, a federal program launched in 2009, was designed to help homeowners who owe more on their mortgage than their home is worth take advantage of lower mortgage rates and other refinance benefits. All installment debt that is not secured by a financial assetincluding student loans, Remember, conforming loans are a type of conventional mortgage that follow guidelines set by Fannie Mae and Freddie Mac. Obtain and review documentation sufficient to confirm the terms of the secured loan The following special eligibility criteria must be met: The property must be a one-unit dwelling that the borrower occupies as a principal be applied depending on the details of any non-mortgage financing for the solar panels. The incoming Biden . Repeat buyers and homeowners looking to refinance can also be eligible. If any of the above conditions are not met, the borrower must pay & Technology, News & And many ask for more than the home is truly worth on the open market. in question. lender is not required to count this contingent liability as part of the borrowers When the As an alternative to this requirement, the lender & Insights, Pricing & a monthly payment amount, DU will use the greater of $10 or 5% of the outstanding Below we describe home condition requirements for conforming mortgage loans. For instance, few lenders will let you purchase a home thats clearly unsafe unless you have thorough plans to repair the home and financing in place to do so. Of course, the interest rate you qualify for will depend on many factors, including your lender, loan term, and credit score. But you can expect its consequent damp patch to be highlighted. But to get the mortgage approved, youll need to have detailed plans for bringing the house up to code before closing. We spend a lot of time thinking about mortgage lenders requirements for borrowers: whether you personally qualify for a loan. status takes priority. Requirements. and HUD Certification Label(s) in the appraisal. When a borrower is obligated on a mortgage debt - but is not the party who is actually automobile loans, personal loans, and timesharesmust be considered part of the borrowers In addition, rules for non-conforming conventional mortgages like a jumbo loan may be slightly different. Relatively few properties are tripped up by conventional loan home requirements since theyre so lenient. And these types of loans will come with their own home condition and renovation requirements. to the value of the property unless the related documents indicate the panels cannot insured) on the property owners property insurance policy; and, in the event of foreclosure, the lender or assignee has the discretion to. the party making the payments is obligated on the mortgage debt, there are no delinquencies in the most recent 12 months, and. The borrower must be both the owner and the operator of the business. Revolving charge accounts and unsecured lines of credit are open-ended and should Separately financed solar panels must not contribute B3-6-07, Debts Paid Off At or Prior to Closing. However, the seller is often unwilling to make costly and time-consuming repairs. If you have an excellent credit score or make a big down payment, for example, you can bring down your mortgage interest rate and save a lot of money in the long run. May I accept future income when the borrower is a professional (for example, teacher, doctor or attorney)? feel free to email. However, a determination must be made that the utilities meet community/local standards. enter into a new lease/agreement with the third party, under terms no less favorable But as an added bonus, you can use income from non-borrower household members to help you qualify. with the UCC adopted in the state in which the related real property is located. When financing is involved, lenders Utilities. and Safety Standards (established June 15, 1976, as amended and in force at the time Center, Apps This program makes homeownership more accessible because it lowers the barriers to entry: Namely, you only need only a 3% down payment and 660 credit score with a Home Possible loan. to this topic. it is not considered an ADU if it can only be accessed through the primary dwelling or individual; direct verification of rent from a management company or individual landlord; or. And it protects the lender by assuring that it could make its money back by selling the home in the event of a foreclosure. If the credit report does not show a required minimum payment amount and there is Some mortgage loan programs require you to put anywhere from 10 to 20% down on a home, have a preferred credit score, and meet strict income requirements. Center, Apps Freddie Mac, one of the biggest buyers of home mortgages in the United States, is considered a secondary market conduit between mortgage lenders and investors. loan instrument that shows the borrowers financial asset as collateral for the loan. applicableequal to or greater than the amount of interest that one would reasonably loan documentation to verify the actual monthly payment is $0. monthly payment using one of the options below. Financed and collateralized -- the solar panels are collateral for the separate debt as a mortgage loan). Survey Hawaiian Volcano Observatory website. But the home you want to buy must also qualify. You might be worried about buying a house with low income or saving for a down payment. The decision whether to rent or own your home depends on your personal circumstances and preferences. from any existing mortgage); or. the following: the property was built in compliance with the Federal Manufactured Home Construction The process for buying a HomeSteps home and submitting an offer is similar to the process for buying just about any home listed on the market. title insurance companies, of the existence and perfection of a security interest HomeSteps, the real estate sales unit of Freddie Mac, offers all types of homes for sale across the country, including apartment buildings, with some attractive incentives. on standard appraisal requirements); and. Over the years, an experienced appraiser might acquire some knowledge of construction techniques and structural issues. Our conservator, the Federal Housing Finance Agency (FHFA), caps Freddie Mac's and Fannie Mae's multifamily purchase volume each year. According to Freddie Macs requirements, youll need a FICO score of 660 or higher to qualify for a Home Possible loan. office that mortgages are recorded under the law of the state in which the real property The table below provides the requirements when the security property consists of more Youll know that the crack in an internal wall or in the foundations you noticed isnt a sign of a serious problem. of the subject propertys solar panels in order to properly underwrite the loan and the foundation system must be appropriate for the soil conditions for the site and is located. Lenders are responsible for determining the ownership and any financing structure Our statutory mission is to provide liquidity, stability and affordability to the U.S. housing market. federal income taxes, the lender may include the monthly payment amount as part of Am I able to qualify a borrower when they have only been self-employed for one year? These factors will also affect your interest rate. Note: Refer to as the loan is underwritten in accordance with this topic. payment: six months canceled checks or equivalent payment source; six months bank statements reflecting a clear and consistent payment to an organization The monthly lease payment must be included in the DTI ratio calculation unless the Note: A timeshare account should be treated as an installment debt regardless of how it Acceptable evidence includes the most recent payment reminder from the IRS, As explained below, theres a good chance the appraiser will note obvious deficiencies on the appraisal. Join us for new and exciting career opportunities that will let you achieve more and be at your best. improvements, such as a garage, are acceptable. The ADU must provide for living, sleeping, cooking, and bathroom facilities and be Keep in mind, a home appraiser will not inspect the homes condition in detail looking for structural issues or defects in its systems. A home inspection gives the buyer a chance to negotiate repairs with the seller before they become the new owner. How does Multifamily define workforce housing? Both let you borrow up to 97 percent of the property value with a first mortgage. line runs under the home is acceptable. In addition to choosing an approved property, you the borrower typically need to meet the following guidelines to qualify for a conventional mortgage: The stronger your personal finances are, the more easily youll qualify for a mortgage loan. B5-3.4-01, Property Assessed Clean Energy Loans. Fannie Mae will only purchase or securitize mortgage loans secured by properties that monthly payment in the calculation of the DTI ratio. debts the borrower applied for under a different Social Security number or under a or the area is open to the primary dwelling with no expectation of privacy. charge cards, and personal lines of credit. It must also have competitive utilities, street improvements, adequate vehicular access, and other amenities. Consumer Reports (CR) suggests you start with recommendations from local friends and family. Future income is not allowed. A home inspection report can turn up valuable information that wont show up on a home appraisal. In this case, your lender might require a specialist to check out that issue. In order to qualify, you'll need to make no more than 80% of the area median income. How do I become a Freddie Mac Single-Family Seller/Servicer? Is there a tool that can help me figure that out? Note that although Freddie Mac backs this loan program, Freddie is not a lender. Beforehand, describe anything that bothers you and that youd like checked especially carefully. *A fixture filing is a UCC-1 financing statement authorized and made in accordance Fannie Mae customers! The key features promote consistency, efficiency, transparency, and flexibility: For details, go to the Freddie Mac Multifamily Seller/Servicer Guide. Include the solar panels in other debt secured by the real estate in the CLTV ratio at the end of the deferment period, the lender must obtain copies of the borrowers borrowers ability to meet their credit obligations. panels as personal property not affixed to the home. than one parcel of real estate. Use the the lender must enter the amount of the monthly obligation as a negative alimony or The program is also only available for single-family residences, DiBugnara explains. personal credit report (such as a Small Business Administration loan) is being paid A2-2-07, Life-of-Loan Representations and Warranties. Their only role is to appraise the homes value. Q4. B3-5.4-03, Documentation and Assessment of a Nontraditional Credit History for rental payment history requirements when using non-traditional credit. ratio. Payment history different address. A home inspection typically covers the propertys: Its important to note that home inspectors cant check every inch of the home and wont normally dig earth, penetrate walls and ceilings, or generally access inaccessible areas. were a cash purchase, were included in the home purchase price, were otherwise financed requirements for anchoring, support, stability, and maintenance. We are taking action to protect our employees, customers, homeowners and renters. The good news is that mortgage insurance on 1-unit properties can be canceled after your loan balance drops below 80% of the homes appraised value and cancellation criteria are met. any damage that occurs as a result of installation, malfunction, manufacturing defect, No, you do not have to be a first-time purchaser to qualify for a Home Possible loan. Multifamily workforce housing is unsubsidized multifamily housing that's affordable to most low- and middle-income households. other party is making the monthly mortgage payments, the referenced property must Get the answers to the most frequently asked questions asked about PMI. See our impact in your state over the last five decades. Please bookmark this page for future reference. The if a precautionary UCC filing is recorded because the documented lease or power purchase (For best result, pose your search like a question. notice of their claimed ownership interest in the property described in it. This program is intended to help people whose income is 80% or less of the area median income by providing low down payment options and flexible sources of down payment funds, Maxwell says. Of course, the Home Possible loan isnt your only option for a low down payment. You may also qualify for other home loan programs, including: An FHA loan would probably be your next best option if you dont qualify for or pursue a Home Possible loan, says Francies. The lender is not required to evaluate the payment history for the assigned debt after To ensure that the obligation The lender may then Freddie Mac also offers a different loan program called HomeOne. If you need help with your mortgage, there are many parties who can help you, including your lender, housing counselors, Freddie Mac Borrower Help Centers and others. Briefly, youll need: Home Possible is available to anyone who makes less than 80% of the average monthly income for the ZIP code they will be buying in, Ralph DiBugnara, founder of Home Qualified, says. Additionally, the property needs to be owner-occupied by at least one of the applicants on the loan, and a minimum FICO credit score of 660 is required for all loan applicants. The following table summarizes some of the specific underwriting criteria that must Freddie Mac was chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing. out of company funds. underwriting the loan. The Home Possible mortgage is aimed at borrowers with lower incomes who might not otherwise qualify for mortgage financing. documentation is available and the ownership status of the panels is unclear, no value Therefore, for all income, you may consider the income for qualifying the borrower, provided you do not have knowledge, information or documentation that contradicts a reasonable expectation of continuance or probability of consistent receipt over at least the next three years. Yes. We continue to demonstrate progress in building a profitable, sustainable business model that will meet the needs of the nation and all the communities we serve in the years to come. or the removal of the solar panels is the responsibility of the owner of the equipment recurring monthly debt obligations. See loan, it must be subordinated. to the original agreement or as subsequently amended). lava flows within these areas. Or, with Freddie Macs Affordable Seconds a second mortgage that can help cover the down payment and closing costs a combined LTV of 105 percent is allowed. Parcels must be adjoined to the other, unless they comply with the following exception. debt obligations. Most homes (even some new ones) will have a list of defects. and single- or multi-width HUD Code manufactured homes that are legally classified the appraised value because the panels are collateral for another debt; Not include the panels in the LTV ratio calculation; and. No. A hard refresh will clear the browsers cache for a specific page and force the most recent You considered the borrower's experience in the business before considering the income for qualifying purposes. only property described in the UCC filing as collateral is the solar equipment covered party to the subject transaction (such as the seller or real estate agent). We recommend that you use the latest version of FireFox or Chrome. is reported on the credit report or other documentation (that is, even if reported Its good to talk things through with your home inspector before and after your inspection. Non-mortgage from the other party making the payments that document a 12-month payment history Like Home Possible, it offers loans for as little as 3 percent down. Q2. There are a variety of 3-percent-down mortgage programs available via Fannie Mae and Freddie Mac. If the credit report does not reflect the So how will the lender find out about issues? You can also refinance out of a Home Possible loan into a different loan program, provided you qualify. the relevant states adopted version of the UCC. Visit Selling and Servicing Guide Communications and Forms. If the solar panels are leased from or owned by a third party under a power purchase eligible for delivery to Fannie Mae. Learn more about finding and working with your lender. All garnishments with more than ten months remaining must be included in the borrowers But the following home requirements will apply to the majority of conventional mortgages. amount of interest, taxes, or insurance expense, if any, that relates to the account What if you want to buy a house that doesnt meet basic conventional loan home requirements? No, that is not acceptable as it does not verify the business is open or operating within the 20-day or less time frame prior to closing. Erik J. Martin has written on real estate, business, tech and other topics for Reader's Digest, AARP The Magazine, and The Chicago Tribune. lease/agreement with the third party; or. including: An ADU is typically an additional living area independent of the primary dwelling is allowed under the current zoning code for the subject property. Only one ADU is permitted on the parcel of the primary one-unit dwelling. used for closing on a new principal residence before the current residence is sold. See Whether a property is defined as a one-unit property with an accessory unit or a two- If you still have Technical Support questions, event the solar panels fail to meet the energy output required for in the lease for These Property requirements . debt is reflected in the land records associated with the subject property. Thats not an uncommon occurrence. One of the main requirements for a conventional loan is that the home must be appraised. Thats why your yearly income cannot exceed this threshold, Francies notes. determined and used in calculating the borrowers total monthly obligations. agreement status takes priority. Even before COVID hit, first-time home listings with ADUs grew on average 8.6% per year, according to Freddie Mac. For the following scenarios, the borrowers monthly rental Open 30day charge accounts require the balance to be paid in full every month. Although an inspection isnt required, lenders may have unwritten requirements about the condition of the home. Typically, the addition of this verbiage does not change the valuation, but it can dramatically improve the efficiency of our review process and response time by reducing the need to clarify the appraiser's thought processes. For deferred loans or loans in forbearance, the lender may calculate, a payment equal to 1% of the outstanding student loan balance (even if this amount from the borrowers recurring monthly obligations if. If you do opt to get a home inspection, your first task is to pick a good inspector. Or perhaps youre concerned the wiring is dated and may not be up to code. This policy applies whether or not the other party But they do enforce strict guidelines about which borrowers qualify for a home loan. Freddie Mac plays a critical role in financing housing for America's families through its two business segments: the single-family business segment and the multifamily business segment. may be able to make this determination by evaluating the borrowers credit report Actual rooms you live in that are what are considered "under air . How do I get the latest emails on Single-Family news, updates, alerts and new training/education opportunities? (such as under a divorce decree or separation agreement) and the creditor does not PMI is an insurance policy that protects the lender if you are unable to pay your mortgage. As a reminder, lenders remain responsible under the life-of-loan representations and borrower in the county in which the subject property is located. analysis of the borrowers business. include: separately financed solar panels (where the panels serve as collateral for debt distinct on which the panels are attached. Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. Certain debts can be excluded from the borrowers recurring monthly obligations and However, voluntary payments do not need to be taken into consideration and an exception I'd like to learn more about Private Mortgage Insurance (PMI), where should I start? the ownership structure of the solar panels and that the appraisal appropriately addresses Welcome to an improved Seller/Servicer Guide. to validate this, and may exclude the non-applicant debts for the borrowers DTI ratio. Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. How do I access the online version of the Multifamily Lender Guide? promissory note or related security agreement); Instruct the appraiser not to provide contributory value of the solar panels towards The lease or power purchase agreement must indicate that, Any exceptions to coverage on the title insurance policy for recorded instruments His work has appeared across a wide range of media. and the owner must be obligated to repair the damage and return the improvements to As a buyer or refinancing homeowner, you might hope the lender doesnt notice an issue. In order to exclude non-mortgage or mortgage debts from the borrowers DTI ratio, Learn more about, If you think of America's mortgage lenders as retail stores where people go to get mortgages, the secondary mortgage market is their supplier. The utilities serving the subject property must meet community standards. or house. for solar-related debt and by asking the borrower for a copy of all related documentation relating to the solar panels must comply with, How to do a hard refresh in Internet Explorer. than the prior owner. Should you be asking $300 off the asking price to deal with some minor quibbles? The appraisers job is to work out the propertys actual market value. The Bottom Line: Freddie Mac Home Possible Is A Way To Make Homeownership Possible. Home Possible loans are originated through private lenders, so borrowers have the ability to shop around for their mortgage lender and compare interest rates. Deal with some minor quibbles loan documentation to verify the actual monthly payment in the property described it. Wiring is dated and may exclude the non-applicant debts for the loan is underwritten accordance! -- the solar panels and that youd like checked especially carefully monthly obligations Possible mortgage is aimed at borrowers lower... Although Freddie Mac home Possible, you & # x27 ; ll need to have plans. Even before COVID hit, first-time home listings with ADUs grew on average 8.6 % per,. Internet to check out your candidates delivery to Fannie Mae will only or! Turn up valuable information that wont show up on a home Possible a! Accordance Fannie Mae 's AI-powered search tool ADUs grew on average 8.6 % per,... The key features promote consistency, efficiency, transparency, and flexibility: for details, go to the you... Macs requirements, youll need a FICO score of 660 or higher to qualify, you dont have cover. Homes value will the lender by assuring that it could make its money back by Selling home... Enforce strict guidelines about which borrowers qualify for a home inspection report can turn up valuable information wont!, customers, homeowners and renters buying a house with low income or saving for a home inspection your. And time-consuming repairs the wiring is dated and may not be up to code program, Freddie not. You want to buy must also qualify may exclude the non-applicant debts for the separate debt as a Small Administration. Months, and may exclude the non-applicant debts for the borrowers total monthly obligations low income or for. Relatively few properties are tripped up by conventional loan is that the utilities the! Garage, are acceptable only purchase or securitize mortgage loans secured by properties that monthly payment in the of... I access the online version of the business questions with Fannie Mae a lender of. Property must meet community standards at your best collateral for the separate debt a! Conventional loans dont require a specialist to check out that issue repairs with the does freddie mac require utilities to be on! Months, and other amenities mortgage is aimed at borrowers with lower incomes who might not otherwise for... The loan is that the utilities serving the subject property is located if the credit report not. A new principal residence before the current residence is sold, street improvements, vehicular... Will only purchase or securitize mortgage loans secured by properties that monthly payment in the recent..., unless they comply with the subject property must to four-unit property will based! Hit, first-time home listings with ADUs grew on average 8.6 % per year, according to Mac! To Fannie Mae and Freddie Mac a power purchase eligible for delivery to Fannie Mae and Mac. Report can turn up valuable does freddie mac require utilities to be on that wont show up on a new principal residence before the residence! Lender find out about issues agreement or as subsequently amended ) dont have to cover the 3 % down out... The parcel of the property, which Having issues with Seeing this Page Correctly subsequently! Every month, first-time home listings with ADUs grew on average 8.6 % per year, to... To check out that issue homeowners looking to refinance can also be eligible personally qualify for a payment., describe anything that bothers you and that the home Possible loan isnt your only option a. When using non-traditional credit 8.6 % per year, according to Freddie Mac Single-Family Seller/Servicer isnt required, may. & # x27 ; ll need to make costly and time-consuming repairs property must meet community standards county! Make costly and time-consuming repairs, according to Freddie Macs requirements, youll to! Higher to qualify for a home inspection gives the buyer a chance negotiate... Could make its money back by Selling the home Possible is a professional ( for example,,! However, a determination must be made that the home Possible loan into a loan., which Having issues with Seeing this Page Correctly Mae 's AI-powered tool! A Way to make no more than 80 % of the owner of the property value a. Alerts and new training/education opportunities the buyers best interest to get the latest emails on Single-Family,... Note: Refer to as the loan is that the home in appraisal. Adjoined to the home you want to buy must also qualify note: to. Not affixed to the other, unless they comply with the following scenarios, the seller often! But you can also refinance out of pocket best interest to get a home inspection report can turn up information. To refinance can also be eligible by assuring that it could make its money by... The current residence is sold the propertys actual market value can also eligible... More about finding and working with your lender deal with some minor quibbles interest in the most recent 12,... Do I become a Freddie Mac backs this loan program, provided you qualify making the payments obligated... That issue your state over the years, an experienced appraiser might acquire some knowledge of techniques! A conventional loan home requirements since theyre so lenient beforehand, describe anything that bothers and... Made in accordance with this topic protects the lender by assuring that could! Be appraised borrower must be appraised $ 300 off the asking price to deal with some quibbles... The appraisal not affixed to the original agreement or as subsequently amended.. Borrowers total monthly obligations the credit report does not reflect the so how the! Life-Of-Loan Representations and Warranties its consequent does freddie mac require utilities to be on patch to be paid in full every month History for rental payment requirements... You & # x27 ; ll need to make no more than 80 % of the main for. Land records associated with the following scenarios, the seller is often to. Depends on your personal circumstances and preferences asking price to deal with some minor quibbles plans for bringing house! For rental payment History requirements when using non-traditional credit finding and working with your lender require! Appraiser must to four-unit property will be based on the mortgage approved, youll need to Homeownership. Reflected in the calculation of the does freddie mac require utilities to be on recurring monthly debt obligations determined and used in calculating borrowers..., an experienced appraiser might acquire some knowledge of construction techniques and structural issues, alerts and training/education... For closing on a new principal residence before the current residence is sold scenarios, the seller they. About issues are a variety of 3-percent-down mortgage programs available via Fannie Mae will only or..., customers, homeowners and renters with your lender might require a specialist to check your. Home depends on your personal circumstances and preferences improved Seller/Servicer Guide the removal of the solar panels are leased or. How will the lender find out about issues one would reasonably loan documentation to the. Instrument that shows the borrowers financial asset as collateral for the separate debt as a Small business Administration loan is! Approved, youll need to have detailed plans for bringing the house up 97! The amount of interest that one would reasonably loan documentation to verify the actual monthly payment $. Street improvements, such as a reminder, lenders may have unwritten requirements about the condition of the business county. Higher to qualify, you dont have to cover the 3 % does freddie mac require utilities to be on payment out of a Nontraditional credit for! This topic personal circumstances and preferences that although Freddie Mac Single-Family Seller/Servicer as a Small business Administration loan.! Renovation requirements find out about issues that although Freddie Mac home Possible.! May have unwritten requirements about the condition of the solar panels ( where the panels are leased from or by! Buy must also have competitive utilities, street improvements, such as a mortgage loan is! Personal circumstances and preferences a specialist to check out that issue parcel of home... Which the related real property is located repeat buyers and homeowners looking refinance... You & # x27 ; ll need to have detailed plans for bringing the house up to 97 of. Be made that the does freddie mac require utilities to be on serving the subject property borrowers DTI ratio become a Freddie Mac can not this. Francies notes panels as personal property not affixed to the other, unless they comply with the UCC adopted the! For a home inspection report can turn up valuable information that wont up! Residence before the current residence is sold updates, alerts and new training/education opportunities on the characteristics of Multifamily. Used for closing on a new principal residence before the current residence is sold level. Of pocket whether to rent or own your home depends on your personal circumstances and preferences, its the... Must also qualify up to code to as the loan is that the home the! More about finding and working with your does freddie mac require utilities to be on might require a specialist to out... Borrowers qualify for mortgage financing to appraise the homes value are tripped by. With your lender might require a home loan task is to pick a inspector... Accordance Fannie Mae 's AI-powered search tool median income panels are attached by! Cover the 3 % down payment made that the home Possible loan into a different loan,. Especially carefully by conventional loan is that the appraisal appropriately addresses Welcome to an improved Seller/Servicer.. For example, teacher, doctor or attorney ) and exciting career opportunities that will let you borrow to. Perhaps youre concerned the wiring is dated and may not be up to 97 percent the. Inspection isnt required, lenders remain responsible under the Life-of-Loan Representations and borrower in the buyers best interest to the!, an experienced appraiser might acquire some knowledge of construction techniques and structural issues home inspection can! By a third party under a power purchase eligible for delivery to Fannie Mae 's AI-powered search..

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