Close the Gap Between Your Dream and Reality.

Homeownership doesn't have to be scary or intimidating. 

Based on information gathered from, "an educated borrower is better informed with a clearer understanding of their housing needs and household budget. The borrower is empowered, and better able to solve problems, benefiting both the homebuyer and the lender.

Homeownership Education and Housing Counseling are different programs for a future homeowner to become educated on the home buying and financing processes.

For some of Fannie Mae’s affordable mortgage products, homeownership education may be required for certain borrowers.

Homeownership education completion is required for:

At least 1 borrower for purchase loans greater than 95% LTV when all occupying borrowers are first-time homebuyers, regardless of the mortgage product chosen.

For HomeReady® and HFA Preferred™ purchase loans, if all occupying borrowers are first-time homebuyers, homeownership education is required for at least one borrower, regardless of LTV.
For borrowers with no credit score, if all borrowers are non-traditional credit, completing homeownership education is required for at least 1 borrower, for all loans.

"Whether you’re searching for the right house or deciding on financing options with your lender. To prepare and empower today’s homebuyers, HomeReady® mortgage uses Framework as its designated educational tool.*

Framework offers an interactive online course to help you understand the homebuying process and the essentials of homeownership. Even previous homeowners can benefit from this training as a valuable, up-to-date review.

How to build your homeownership expertise with Framework:

Go to to access the Framework course.

Register and complete the course on a computer, tablet, or smartphone. You can save your progress and return at your convenience.

Print and give your lender a copy of the Framework certificate of completion — and you’re done!

What you'll learn:
*How much home you can afford
*How to choose the best loan
 *How to lower your down payment

• What to include in your offer 

• What happens at closing

• What pitfalls to avoid before and after closing

  • You can take the online course when it’s convenient for you — all in just a few hours.

  • Customer support is offered at 855-659-2267 to assist with course-related questions and to connect homebuyers to professional homeownership advisors.

* Framework is the dedicated homeownership education course. However, in certain circumstances, an online format may not be the appropriate option for a potential homebuyer, and an exception may be necessary.


  • For loans that involve a Community Seconds® or down payment assistance program, buyers may instead complete the homeownership education course or counseling required by those programs as long as the course is provided by a HUD-approved agency and completed prior to closing.

  • The presence of a disability, lack of internet access, or other issues may indicate that buyer
    is better served through other education modes (for example, in-person classroom education or via a telephone conference call). In such cases, lenders should direct buyers to Framework’s toll-free customer service line (855-659-2267), which can refer them to a HUD-approved counseling agency.

  • Finally, buyers who have already completed housing counseling prior to entering into a sales contract (as evidenced by a completed Fannie Mae Form 1017) are not required to complete the Framework course."

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