Fannie Mae Updates Equitable Housing Finance Plan
Fannie Mae Updates Equitable Housing Finance Plan
Moves toward expanding and scaling various actions in third year of the Plan
在《计划》的第三年开始扩大和扩大各种行动
WASHINGTON, April 29, 2024 /PRNewswire/ -- Fannie Mae (OTCQB: FNMA) today released its annual update to the 2022-2024 Equitable Housing Finance Plan (the Plan) to knock down housing and homeownership barriers faced by historically underserved consumers and communities across the United States.
华盛顿，2024年4月29日 /PRNewswire/ — 房利美（场外交易代码：FNMA）今天发布了2022-2024年公平住房融资计划（以下简称 “计划”）的年度更新，旨在消除美国各地历史上服务不足的消费者和社区面临的住房和房屋所有权壁垒。
The 2024 Plan updates reflect Fannie Mae's intention to expand and scale its efforts, particularly those related to helping consumers safely and soundly overcome barriers related to limited credit history, burdensome up-front housing costs/ access to credit, and financial and property resiliency.
2024年计划的最新情况反映了房利美扩大和扩大其努力的意图，尤其是那些与帮助消费者安全、健全地克服与信用记录有限、沉重的预付住房成本/信贷渠道以及财务和财产弹性相关的障碍。
The three-year Equitable Housing Finance Plan addresses the key obstacles faced by historically underserved consumers, renters, and homeowners. The 2024 Plan outlines 23 specific actions that expand upon the innovations and lessons learned from the first two years, and includes two new actions:
为期三年的公平住房融资计划解决了历史上服务不足的消费者、租户和房主所面临的关键障碍。2024年计划概述了23项具体行动，这些行动扩展了前两年的创新和经验教训，并包括两项新行动：
- Expanding pre-purchase counseling support for near mortgage-ready first-time homebuyers recognizing that counseling is a service that can help consumers engage more confidently with their trusted advisors as they secure housing.
- Creating a standard definition for "first-generation homebuyer" that Fannie Mae and other housing market participants can use to evaluate and develop new ways to address the disparities correlated to the lack of savings or generational wealth.
- 扩大对接近抵押贷款准备的首次购房者的购前咨询支持 认识到咨询是一项服务，可以帮助消费者在确保住房时更自信地与值得信赖的顾问互动。
- 为 “第一代购房者” 创建标准定义 房利美和其他房地产市场参与者可以利用它来评估和开发新的方法来解决与缺乏储蓄或代际财富相关的差距。
In the first two years of the Equitable Housing Finance Plan, Fannie Mae established the groundwork to address housing disparities affecting historically underserved consumers and made progress on achieving its goals through the combined efforts of lenders, industry partners, and community stakeholders. In 2023, the Plan scaled various actions from the previous years, including:
在《公平住房融资计划》的前两年，房利美为解决影响历史上得不到充分服务的消费者的住房差异奠定了基础，并在贷款人、行业合作伙伴和社区利益相关者的共同努力下在实现其目标方面取得了进展。2023年，该计划扩大了与往年相比的各种行动，包括：
- Expanded opportunities for renters to benefit from on-time rent reporting to credit bureaus that help consumers establish or increase their credit scores and improve mortgage access through our underwriting technology innovations that consider on-time rent pay histories.
- Provided affordable housing solutions, down payment assistance, and financial counseling support through our Innovation Challenge winners in historically underserved rural and urban communities.
- Reduced the barrier of up-front housing costs for creditworthy first-time homebuyers through the special purpose credit program pilot, HomeReady First, enabling increased access to homeownership opportunities.
- Enhanced financial literacy, housing counseling, and homeownership education to support consumers in buying and maintaining a home.
- 通过我们考虑按时租金支付历史的承保技术创新，向征信机构按时报告租金，从而扩大租户受益的机会，帮助消费者建立或提高信用评分并改善抵押贷款渠道。
- 通过我们的创新挑战赛获胜者在历史上服务不足的城乡社区提供经济适用住房解决方案、首付援助和财务咨询支持。
- 通过特殊用途信贷计划试点项目HomeReady，降低了信誉良好的首次购房者的前期住房成本门槛 首先，增加获得房屋所有权的机会。
- 加强金融知识、住房咨询和房屋所有权教育，以支持消费者购买和维护房屋。
"We have continued to build the infrastructure for a housing ecosystem that is fair and sustainable for all consumers," said Katrina Jones, Vice President of Housing Equity Strategy & Impact. "The housing environment today is not without its challenges – and it underscores the need to continue innovating and working together to ensure that access to affordable housing opportunities is available to everyone. We are encouraged by the achievements of the Plan and are looking forward to its ongoing success in making the housing system fairer and more equitable."
住房公平战略与影响副总裁卡特里娜·琼斯表示：“我们一直在为所有消费者公平和可持续的住房生态系统建设基础设施。”“当今的住房环境并非没有挑战——它凸显了继续创新和共同努力的必要性，以确保每个人都能获得经济适用住房的机会。该计划的成就令我们感到鼓舞，并期待它在使住房制度更加公平和公平方面继续取得成功。”
Details on the Plan's actions and initiatives are outlined in the 2024 Equitable Housing Finance Plan and 2023 Performance Report.
《2024年公平住房融资计划》和《2023年绩效报告》概述了该计划的行动和举措的详细信息。
To learn more about Fannie Mae's ongoing efforts to support the housing ecosystem, read Katrina Jones' Perspectives blog.
要详细了解房利美为支持住房生态系统所做的持续努力，请阅读卡特里娜·琼斯的《展望》博客。
About Fannie Mae
Fannie Mae advances equitable and sustainable access to homeownership and quality, affordable rental housing for millions of people across America. We enable the 30-year fixed-rate mortgage and drive responsible innovation to make homebuying and renting easier, fairer, and more accessible. To learn more, visit:
fanniemae.com | Twitter | Facebook | LinkedIn | Instagram | YouTube | Blog
关于房利美
房利美促进美国数百万人公平和可持续地获得房屋所有权和优质、负担得起的租赁住房。我们支持30年期固定利率抵押贷款，推动负责任的创新，使购房和租房更容易、更公平、更容易获得。要了解更多信息，请访问：
fanniemae.com | 推特 | 脸书 | 领英 | Instagram | YouTube | 博客
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来源 Fannie Mae
译文内容由第三方软件翻译。