Mortgage Navigator • Conventional • Can This Be Done?

Could the Other Agency Solve This?

A Fannie denial is not automatically a Freddie denial—and a Freddie problem is not automatically a conventional-loan problem.

Build My Mortgage Game Plan Compare Fannie vs. Freddie

Run the second-agency check when the issue involves

income calculation, rental income, self-employment history, debts, assets/reserves, property type, subordinate financing, non-occupant borrowers, refinance classification, affordable products or an AUS-specific risk result.

Do not confuse four different answers

Agency rule: what Fannie/Freddie publish. AUS result: what DU/LPA determines for the complete file. Product/MI rule: restrictions tied to a particular execution. Lender overlay: a lender's rule that can be stricter than the agency baseline.

The question to ask: “Is this actually prohibited by both agencies, or is there another eligible agency path?”

Important: switching agencies is not a loophole. The file must independently satisfy the other agency's complete eligibility, documentation and AUS requirements.

Official agency baseline

Fannie Mae Selling Guide · Freddie Mac Seller/Servicer Guide

These are agency-level rules. AUS findings, mortgage insurance, product restrictions and lender/investor overlays can still affect a real loan.