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.

Realtor helping home-buyers
By Louisiana REALTORS® July 16, 2025
From flood zones to hurricane season, Louisiana clients have big questions. Learn how REALTORS® can confidently respond with local insights that build trust and close deals.
How REALTORS® Can Simplify the Homebuying Process for First-Time Homebuyers
By Louisiana REALTORS® July 11, 2025
Buying a home for the first time can be a daunting experience. As a Louisiana REALTOR®, your ability to simplify the process not only eases your client’s stress but also builds trust and increases your chances of referrals down the line.
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.
Show More