Fannie Mae and Freddie Mac Clarify Seller-Paid Financing Rules

Louisiana REALTORS® • April 18, 2024

A Message from Ken Fears, NAR Director of Conventional Finance and Valuation Policy

Earlier this week, both Fannie Mae and Freddie Mac published explicit confirmations that buyers whose agent is compensated by the seller will continue to have access to financing through those institutions.  Furthermore, so long as it remains "customary" for the seller to pay commissions, those will not be added to the interest party contributions (IPC) and subject to the caps on IPCs.


Interpretation of this rule under the proposed settlement was of great concern, and NAR wrote to Fannie Mae, Freddie Mac, and the FHA seeking confirmation of our interpretation. In a letter to NAR, FHA confirmed that this interpretation does hold.


NAR will continue to press for access to affordable financing options and keep you up to date on any changes.


To view the post on The Hub on NAR's website, please click here.

How REALTORS® Help Home Sellers Navigate Multiple Offers with Confidence

How REALTORS® Help Home Sellers Navigate Multiple Offers with Confidence

By Louisiana REALTORS® • July 3, 2025
Navigating multiple offers isn't just about choosing the highest bid. Here's how REALTORS® guide sellers through this critical phase with strategy and confidence.
Signs You’re Ready to Buy a Home in Louisiana

Signs You’re Ready to Buy a Home in Louisiana (And How a Local Realtor® Can Help You Take the Next Step)

By Louisiana REALTORS® • June 27, 2025
Are you wondering if now’s the right time to stop renting and start putting down roots in Louisiana? Here’s some signs you’re ready to buy, and how a local expert can help you take the leap.

Consumer Guide Update: Making Your Home More Energy Efficient

By Louisiana REALTORS® • June 25, 2025
As previewed last week, NAR is pleased to share the latest consumer guide focused on Making Your Home More Energy Efficient. This guide helps homeowners understand how to reduce energy usage, make cost-effective upgrades, and improve the efficiency and appeal of their home whether they are planning to sell or stay. As a reminder, all guides in this series are available for download—in both English and Spanish—on facts.realtor . Please allow a few days for the Spanish version of the latest resource to be translated and uploaded. For ease of reference, below is a list of the most recent guides: NEW: Making Your Home More Energy Efficient Real Estate Auctions Buyer’s vs. Seller’s Markets Estate Planning Mortgage Interest Tax Deduction Understanding & Protecting Yourself from Title Fraud Thank you for continuing to engage with the “Consumer Guide” series and for sharing the resources with prospective clients so that they have the information they need to find success in their homebuying or selling journey. Please remember that these guides are for informational purposes only and are not meant to enact or change any existing NAR policy. Be on the lookout for next week’s guide on Wednesday, which will cover buying a historic property.
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