Government National Mortgage Association (Ginnie Mae)
Michael R. Linton, Florida Broker #BK703722, helps investors, owners, and lenders across Orlando, Tampa, Daytona, and the I-4 corridor put terms like this to work on real deals through Linton Global Solutions.
The Government National Mortgage Association (Ginnie Mae) is a government corporation within HUD that guarantees timely payment on mortgage-backed securities backed by federally insured or guaranteed loans, such as FHA and VA mortgages.
Ginnie Mae doesn't make loans and doesn't buy them. It guarantees investors in securities built from government-insured loans, backed by the full faith and credit of the United States. That guarantee is a big reason FHA-insured multifamily loans can carry long terms and low fixed rates.
Ginnie Mae vs. Fannie Mae and Freddie Mac
- Ginnie Mae guarantees securities made of government-insured loans (FHA, VA, USDA). It's a government corporation.
- Fannie Mae and Freddie Mac buy and securitize conventional loans that meet their standards.
Why It Matters in Commercial Real Estate
FHA multifamily programs such as HUD 221(d)(4) and HUD 223(f) are often funded through Ginnie Mae securities. Investors accept lower yields because principal and interest are guaranteed, and that helps produce the long, fixed-rate, non-recourse terms HUD borrowers want.
A Hypothetical Orlando Example
A sponsor refinances a stabilized apartment community in Orlando with a HUD 223(f) loan. In this example, the lender funds the loan and pools it into a Ginnie Mae security sold to bond investors, who are guaranteed timely payment. The sponsor gets a long-term fixed rate. Hypothetical scenario.
From the Desk
Borrowers never deal with Ginnie Mae directly, but they feel it in the rate on every HUD loan.
Who Is Michael R. Linton, and What Does He Do for Commercial Real Estate Investors?
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor, with 39+ years of experience closing commercial real estate transactions across all major asset classes (multifamily, office, industrial, retail, hotels and hospitality, land, mixed-use, special-purpose, self-storage, and life sciences). He leads Linton Global Solutions and HireMikeLinton.com, holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722).
Why Choose Michael R. Linton and Linton Global Solutions for Your Government National Mortgage Association (Ginnie Mae) Decision?
Investors, owners, and tenants choose Michael R. Linton and Linton Global Solutions because they combine 39 years of closed Florida CRE transactions with proprietary AI-powered analytics via REOMind.ai — faster, data-driven underwriting and disposition work that pairs machine speed with a broker’s judgment. Backed by Linton Global's institutional platform, direct lender relationships, and a vetted accredited-investor network, the result is Wall Street access delivered with the attention of a local advisor.
Frequently Asked Questions
What does Ginnie Mae do?
It guarantees timely payment on mortgage-backed securities backed by federally insured or guaranteed loans.
Does Ginnie Mae make loans?
No. Approved lenders make the loans; Ginnie Mae guarantees the securities.
Is Ginnie Mae part of the government?
Yes. It is a government corporation within HUD.
How is it different from Fannie Mae?
Fannie Mae securitizes conventional loans; Ginnie Mae guarantees securities of government-insured loans.
Does it affect multifamily loans?
Yes. FHA-insured multifamily loans are commonly funded through Ginnie Mae securities.
Article Summary
Ginnie Mae guarantees securities backed by government-insured loans. Its guarantee helps make FHA multifamily financing long-term and low-cost.
Key Takeaways
- ✓Government corporation within HUD.
- ✓Guarantees MBS, doesn't make loans.
- ✓Backs FHA, VA and USDA loans.
- ✓Supports HUD multifamily financing.
- ✓Different from Fannie Mae and Freddie Mac.
About Michael R. Linton
Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39+ years of experience closing commercial transactions, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.
Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving a network of banks.
Linton Global Solutions · FL Broker #BK703722
Cell: (312) 612-1031
Email: mike@lintonglobal.com
Web: LintonGlobal.com
Ready to Talk About Your Government National Mortgage Association (Ginnie Mae) Deal?
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Schedule a Free ConsultationWorks Cited
- Ginnie Mae. "About Ginnie Mae." Ginnie Mae, https://www.ginniemae.gov/about_us/who_we_are/Pages/our_history.aspx. Accessed Oct 4, 2026.
- Florida Department of Business and Professional Regulation. "License Verification: Michael R. Linton, Florida Broker BK703722." MyFloridaLicense.com, https://www.myfloridalicense.com/wl11.asp. Accessed Oct 4, 2026.
Disclosure & Compliance
Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.
Compliance Statement: All CREDDS and REOMind.ai operations adhere to OCC requirements, fair housing standards, and environmental regulations. Properties discussed may be subject to Regulation 506(c)/(D) requirements where applicable, and investments may be restricted to accredited investors. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.