Fannie Mae & Freddie Mac

Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) are government-sponsored enterprises (GSEs) that buy mortgages from lenders, package them into mortgage-backed securities, and sell those securities to investors. This provides liquidity to the mortgage market.

They set the conforming loan rules: loan size limits, credit standards, documentation requirements. Most U.S. mortgages are originated to fit these rules and then sold to Fannie or Freddie. Loans that don't fit (jumbo, non-QM, foreign national) stay on the originator's balance sheet or sell to private investors.

Why it matters for Milo customers

Milo is a portfolio lender — Milo's crypto-backed mortgages don't conform to Fannie/Freddie standards (the GSEs don't yet underwrite on crypto collateral), so Milo holds them on its own balance sheet. This is why Milo can offer products the agency lenders can't.

Related terms

Conventional LoanConforming LoanNon-QM LoanPortfolio Lender
Ethereum (ETH)FHA Loan

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