What are Government-Sponsored Entities

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What are Government-Sponsored Entities?

Also known as government-sponsored enterprises or just GSEs, government-sponsored entities are financial service corporations with government charters.

GSEs generally provide lower interest rates for mortgages to specific types of borrowers such as first-time homebuyers, students, teachers, farmers, low-income homeowners, and veterans.

The more well-known GSEs include:

Department of Veterans Affairs (VA)
Federal Housing Administration (FHA)
Federal National Mortgage Association (FNMA, also known as Fannie Mae)
Federal Home Loan Mortgage Corporation (FHLMA, also known as Freddie Mac)
Government National Mortgage Association (GNMA, also known as Ginnie Mae)
California Housing Financial Agency (CalHFA)

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