Fannie Mae Customer Service

Phone Number & Contact Info

Fannie Mae's Best Phone Number

800-232-6643
Toll-free·Calls Customer Service·Most popular Fannie Mae number
Q:

How do I talk to a live human at Fannie Mae?

A:Press 6 at the first menu, then wait for a Representative.
Q:

Does Fannie Mae offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 9am-6pm EST. The least busy day is Monday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 2 minutes. The longest hold times are on Tuesday, and the shortest are on Wednesday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Fannie Mae phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 6 at the first menu, then wait for a Representative.
Here is how our research team describes the way the Fannie Mae phone system greets you: Not available from my calling area.

What are the hours and when should I call?

Fannie Mae operates the call center for this 800-232-6643 phone number Mon-Fri 9am-6pm ET. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 267 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Fannie Mae phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Fannie Mae staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Fannie Mae is Monday. The most busy day to call is Tuesday. Again, this is based on a sample of 267 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Wednesday. The longest wait in the queue on average occurs on Tuesday.

The best time to call Fannie Mae

In summation, the best day to call Fannie Mae is Monday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Fannie Mae staffs the call center well on Monday.

Why Customers Call Fannie Mae

If you have time to do a bit of reading before you call Fannie Mae, we recommend you read over some of our problem-specific articles.

What is Fannie Mae?

Fannie Mae, short for the Federal National Mortgage Association, is a government-sponsored enterprise established in 1938. It was created with the aim of promoting stability and liquidity in the U.S. housing market. Fannie Mae operates in the secondary mortgage market, which means it buys residential mortgages from lenders, thereby providing them with fresh funds to originate new loans. By purchasing these mortgages, Fannie Mae allows lenders to mitigate the risks associated with holding long-term mortgages. This process also helps to ensure that mortgage lenders have access to additional capital, enabling them to continue offering affordable home loans to borrowers. The organization plays a critical role in the functioning of the housing market, facilitating the flow of funds and expanding homeownership opportunities for Americans.

What are the eligibility requirements for a Fannie Mae mortgage?

To be eligible for a Fannie Mae mortgage, certain criteria must be met. Firstly, the borrower's credit score should be at least 620, although specific lenders may have different requirements. A stable and sufficient income is key, along with a reasonable debt-to-income ratio. The borrower should also have a valid social security number or Individual Taxpayer Identification Number and be a legal resident or citizen of the United States. Additionally, Fannie Mae mortgages require a minimum down payment of 3%, which can come from personal savings, a gift, or a grant. It's important to note that each borrower's situation may vary, and it is recommended to contact a Fannie Mae approved lender for personalized guidelines and assistance in determining eligibility.

What are Fannie Mae's loan modification options?

Fannie Mae offers various loan modification options to help homeowners avoid foreclosure and make mortgage payments more manageable. These options include the Flex Modification program, which simplifies the process by offering a comprehensive solution with flexible terms and affordable payments. Another option is the High LTV Flex Modification for borrowers with high loan-to-value ratios. Fannie Mae also provides modification options for homeowners facing imminent default or those affected by natural disasters. The Home Affordable Modification Program (HAMP) is available for eligible borrowers seeking a modification solution accepted by Fannie Mae. Additional alternatives like repayment plans and forbearance may be available depending on individual circumstances. It is recommended to contact a Fannie Mae-approved mortgage servicer to discuss the specific loan modification options suitable for one's situation.

Top Fannie Mae customer service problems

Click the link above to get answers to just about any Fannie Mae customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.

More Fannie Mae Customer Service Contacts

There are of course other ways to contact Fannie Mae customer service besides the phone. Below we list the best ones, by medium.

Fannie Mae Customer Service Live Chat

singlefamily.fanniemae.com - Customer Service
Click the link to open the chat
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Fannie Mae provides this option.

Fannie Mae Customer Help Desk / Web Support

fanniemae.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Fannie Mae customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Fannie Mae's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Fannie Mae agent. This phone number is Fannie Mae's best phone number because 1,602 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-232-6643 include Request a loan, Eligibility question, Repayment question, Overcharge/Strange charge, Extension and other customer service issues. Rather than trying to call Fannie Mae first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or chat. In total, Fannie Mae has 1 phone number. It's not always clear what is the best way to talk to Fannie Mae representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Fannie Mae. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Fannie Mae. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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