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Income requirements for homeready mortgage. You can make more than the income requirements and still be eligible for a homeready mortgage. The maximum debt to income for homeready is 45. The homeready loan gives borrowers a chance to become a homeowner that would otherwise be unable to get approved for a conventional loan. Low income census areas are zones where the median household income is 20 below the location s average median household.
Normally such a home buyer would not qualify. While fannie mae designs and sets the rules for homeready mortgages the loans themselves are provided through national and local mortgage lenders. This fannie mae program provides loans for borrowers that live in low income and high minority census tracts.
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