Loan Originators Should Consider Targeting Specific Mortgage Products That Are Still Being Sought By Prospective Homebuyers. The NEED is There. Mortgage headlines are now projecting two more years of a downturn in the housing market, but this is the time loan originators need to laser focus on a client NEED market and learn about recent mortgage products that are gaining traction. Fannie Mae and Freddie Mac Affordable products specifically benefit 80% of area median income (AMI) clients. You may be surprised at the income levels in your area. Unique mortgage products such as Freddie Mac’s 95% LTV on owner-occupied 2-4 unit properties, manufactured home financing, renovation loans, and a newer mortgage product for Accessory Dwelling Units (ADU), where space can be added to a home to offer independent living to family members or for rental income are all available now. The FHA 203H, 100% financing available in designated disaster areas, the NEED for down payment assistance (DPA) which is elevating, and credit tools for loan originators to prepare clients with the best credit scores are also available.