Fannie Mae | Definition | What dot hey do?

Fannie Mae

Fannie Mae | Definition

Federal National Mortgage Association (FNMA). Established in 1938, Fannie Mae is a private corporation, federally chartered to provide financial products and services that increase the availability and affordability of housing for low-, moderate-, and middle-income Americans.

The company is one of the largest issuers of debt after the US Treasury. Traded on the New York Stock Exchange (FNM), Fannie Mae has approximately 240,000 shareholders and is part of the Standard & Poor's 500 Index.

Fannie Mae has two major lines of business: portfolio investment and mortgage-backed securities. The company buys residential mortgages for its investment portfolio and earns a spread between the yield on portfolio investments and the cost of debt funding those investments. Fannie Mae also receives pools of mortgage loans from lenders and exchanges them for Mortgage-Backed Securities, which the company guarantees. A "guaranty fee" paid to Fannie Mae assures the timely payment of monthly principal and interest to investors in these securities.

For more information, see the Fannie Mae web site.

For over 1,000 additional terms and definitions please see our Investment Glossary Guide.

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