Whole Loan Sales | Fannie Mae

Overview

Fannie Mae's Whole Loan Sales are a strategic effort to manage their mortgage portfolio effectively, focusing on non-performing and reperforming loans as part of broader financial and neighborhood stabilization goals.

Non-Performing Loan Sales

• Objective: Reduce deeply delinquent loans, stabilize neighborhoods, and meet portfolio reduction targets set by the FHFA's Conservatorship Scorecard and the Senior Preferred Stock Purchase Agreement with the US Treasury.
• Guidelines: Enhanced by FHFA to encourage broad buyer participation and safeguard borrowers.
  • Buyers must offer loan modifications and foreclosure alternatives.
  • Priority given to property sales to owner-occupants and non-profit agencies if foreclosure occurs.
• Eligibility: Loans available to investors, nonprofits, and public sector organizations.
• Loan Pools: Mix of larger and smaller pools, targeting nonprofits, smaller investors, and minority- and women-owned businesses.

Reperforming Loan Sales

• Objective: Reduce the size of the retained mortgage portfolio.
• Definition: Loans that were delinquent but are now current, possibly through loan modification.
• Information and Bidding: Announcements, training, and specific pool information are available for interested bidders.

Transactions Overview

Fannie Mae has a track record of regular updates on sales transactions, categorized by year and month with links to sale announcements, fact sheets, and post-sale news releases.

Sale Transactions Highlights

2025

• March: FNMA 2025-RPL1
  • Sale Announcement, Fact Sheet, Post-Sale News Release

2024

• October: FNMA 2024-RPL4
• September: FNMA 2024-NPL3
• August: FNMA 2024-RPL3
• April: FNMA 2024-NPL2, FNMA 2024-RPL2
• February: FNMA 2024-NPL1
• January: FNMA 2024-RPL1

2023

• October: FNMA 2023-NPL2
• September: FNMA 2023-RPL2
• August: FNMA 2023-NPL1, FNMA 2023-RPL1

Additional Years

• Transactions are listed for earlier years (2022-2015) with similar details, indicating continuity in sales strategy and transparency.

Contact and Further Information

• Bidders: Information on how to participate in upcoming sales is available through Fannie Mae's contact forms.

Social Media and Engagement

• LinkedIn, Facebook, Instagram, and Twitter links for updates and engagement.

Legal and Privacy

• Cookie Policy: Details on cookie preferences and privacy regulations.

These notes summarize Fannie Mae's efforts in managing its loan portfolio through strategic sales, focusing on both non-performing and reperforming loans, ensuring transparency and compliance with federal guidelines.