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Guide Resources

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The following table describes the eligible transaction types, products, occupancy types, and properties for loans with resale restrictions.

Eligibility Based on Type of Deed Restriction
	Affordable	Age-Related
Transaction Types	Purchase and Refinance
Products	Loans must be fixed-rate or adjustable-rate mortgages with an initial fixed period of five years or more, and can be any Fannie Mae product described in this Guide.
Borrowers	Must meet applicable criteria of the deed restriction. Note: Age-related deed restrictions generally apply to the unit occupant and frequently require only one occupant to be aged 55 and over. In such a case, the borrower could be younger than 55 provided there is a unit occupant aged 55 and over. This occupant can be a non-borrower household member or a renter in the case of investment property. (It is permissible for both affordable and age-related requirements to apply to a single loan.)
Occupancy Types	Principal residence only	All occupancy types
Properties	One- and two-unit properties, PUDs, condos, and co-ops Three- and four-unit properties are not eligible. Manufactured homes are not eligible unless they are located in a PERS-approved project.

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