CRT-Eligible Profile Summary

Temporary Interest Rate Buydowns Mortgage loans acquired by Fannie Mae may be subject to a temporary interest rate buydown, which is used to reduce a borrower's monthly payment through a temporary reduction in the interest rate. They can be classified as "Moderate" or "Significant". • • Moderate (SFC 9) - A Moderate buydown is less than or equal to 2% and for less than or equal to 24 months Significant (SFC 14) - A Significant buydown is greater than 2% and/or for greater than 24 months Temporary Interest Rate Buydown Loans are underwritten without consideration of the bought-down rate, and the DTI reported in our disclosures reflects such rate. CRT disclosures will include a one-time loan level file posted on Data Dynamics with a buydown indicator flag denoting SFC 9 / 14 or not applicable. Example from CAS 2023-R08 G1 Offering Memorandum: Category Loan Count Unpaid Principal Balance ($)(3) Unpaid Principal Balance (%) (3) W.A. Mortgage Rate (%) W.A. Original Credit Score W.A. Original LTV Ratio (%) W.A. Debt-to- Income Ratio (%) W.A. First Time Homebuyer Ratio (%) Debt-to-Income Ratio 45% (%) Moderate Less than 239 or equal to 1% (1) 82,980,468 0.44 6.55 758 77.0 39.1 36.8 32.3 Moderate Less than 802 or equal to 2% (2) 318,551,465 1.69 6.64 759 76.7 39.0 37.8 24.4 Significant 36 Subtotal or Weighted 1,077 12,664,041 414,195,974 0.07 6.96 762 76.2 38.2 42.6 23.4 2.19 6.63 759 76.8 39.0 37.7 26.0 Average No Rate Buydown 59,268 18,465,994,544 97.81 6.09 752 75.6 37.9 27.0 24.4 Reference Pool Total 60,345 18,880,190,518 100 6.10 752 75.7 37.9 27.2 24.4 or Weighted Average (1) (2) An interest rate buydown in which the interest rate is bought down by 1% or less and for a period of 12 months or less. An interest rate buydown in which the interest rate is bought down by greater than 1% and less than or equal to 2% and for a period of greater than 12 months and less than or equal to 24 months. (3) Amounts may not add up to the totals shown due to rounding. See Temporary Interest Rate Buydowns in the Selling Guide for additional details. 63 © 2024 Fannie Mae

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