Well, Fannie, Freddie and Ginnie aren’t people, they are institutions.  They are the shortened names for Fannie Mae (FNMA-Federal National Mortgage Association), Freddie Mac (FHLMC -Federal Home Loan Mortgage Corporation) and Ginnie Mae (GNMA-Government National Mortgage Association).  They are the big three, and they buy the majority of mortgages for all homes across the nation.

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