Us Government National Mortgage

Ginnie Mae is a government corporation that guarantees mortgage-backed securities (MBS) primarily composed of FHA, VA, and USDA loans. They play a critical role in the U.S. housing market by linking government-insured or guaranteed mortgages to the global capital markets. This guaranty enables lenders to obtain better pricing and ensures that mortgage funds are readily available.

Ginnie Mae does not originate, service, or purchase loans. Instead, they provide a guarantee that investors will receive timely payments of principal and interest on MBS. This guarantee is backed by the full faith and credit of the United States government, making Ginnie Mae securities highly attractive to investors.

Focused on affordability for more than 50 years, Ginnie Mae makes affordable housing finance possible for America’s homeowners and renters. They work to ensure that mortgage funds are readily available by guaranteeing mortgage-backed securities (MBS) which connect the global capital markets to the nation’s housing markets.