How can credit-worthy but low-income borrowers qualify for a mortgage? Fannie Mae’s HomeReady mortgage lowers down-payment and credit score requirements.

A HomeReady mortgage can assist you in the home buying process, offering you a lower down payment. Learn more about how to apply for a HomeReady loan program.

Oct 24, 2025 · HomeReady mortgages help lower-income borrowers afford to buy a home. Learn about the requirements and income limits here.