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    • How to Become

      a Ginnie Mae Issuer

      Issuers of Ginnie Mae mortgage-backed securities make a significant contribution to the expansion of affordable housing opportunities in America. more

    • Troubled


      Borrowers are sometimes mistakenly advised that Ginnie Mae is the owner or investor in a loan because ... more

    • Consumer


      Ginnie Mae has been a cornerstone of the U.S. housing finance system since it was created more than 40 years ago more

​What's New

Ginnie Mae Document Custodian Outreach Call Quarterly Schedule

Ginnie Mae invites all Document Custodians to participate on quarterly conference calls. Please click the read more link below to view the Document Custodian Quarterly Schedule. more


Redemption Price Payable in Connection with Redemption of Ginnie Mae Multiclass Callable Trust Pass-Through Securities May Include a Premium; Redemption Date May be as Early as the Third Distribution Date. more

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​Who we are. What we do. Why it makes a difference.​

At Ginnie Mae, we help make affordable housing a reality for millions of low- and moderate-income households across America by channeling global capital into the nation's housing markets. Specifically, the Ginnie Mae guaranty allows mortgage lenders to obtain a better price for their mortgage loans in the secondary mortgage market. The lenders can then use the proceeds to make new mortgage loans available.

Ginnie Mae does not buy or sell loans or issue mortgage-backed securities (MBS). Therefore, Ginnie Mae's balance sheet doesn't use derivatives to hedge or carry long term debt.

What Ginnie Mae does is guarantee investors the timely payment of principal and interest on MBS backed by federally insured or guaranteed loans — mainly loans insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA). Other guarantors or issuers of loans eligible as collateral for Ginnie Mae MBS include the Department of Agriculture's Rural Development (RD) and the Department of Housing and Urban Development's Office of Public and Indian Housing (PIH).

Ginnie Mae securities are the only MBS to carry the full faith and credit guaranty of the United States government, which means that even in difficult times, an investment in Ginnie Mae MBS is one of the safest an investor can make.