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**For Facebook Reviewers and 3rd Party Fact Checkers, these are our references and sources explained:**

## GSE Programs

**1.** "*GSE*" Definition - Government Sponsored Enterprises or Entities that include The Federal National Mortgage Association (FNMA or Fannie Mae), The Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac) and The Federal Agricultural Mortgage Corporation (Farmer Mac) *[https://www.fhfaoig.gov/Content/Files/History%20of%20the%20Government%20Sponsored%20Enterprises.pdf](https://www.fhfaoig.gov/Content/Files/History%20of%20the%20Government%20Sponsored%20Enterprises.pdf)*

**2.** "*New GSE Assistance*" - References the four new refinance programs offered by the Government Sponsored Enterprises (GSE): "High LTV Refinance Option" (Fannie Mae), the "Freddie Mac Enhanced Relief Refinance" or "FMERR", "Refi Possible" (Freddie Mac) and "RefiNow" (Fannie Mae). *[http://www.freddiemac.com/](http://www.freddiemac.com/)* AND *[https://www.fanniemae.com/](https://www.fanniemae.com/)*

**3.** "*Qualified*" OR "*Eligible*" - (in context of homeowners) assume qualified refi candidates, based on the following criteria: 30-year mortgage holders with a maximum 80% loan-to-value (LTV) ratio and credit scores of 720 or higher, who could shave at least 0.75% off their current first lien rate by refinancing according to the Black Knight article.*[https://www.blackknightinc.com/blog-posts/even-as-rates-rise-nearly-17m-high-quality-refi-candidates-in-the-market/](https://www.blackknightinc.com/blog-posts/even-as-rates-rise-nearly-17m-high-quality-refi-candidates-in-the-market/)*

**4.** "*$X,XXX Back In Savings Every Year*" - assume potential approximate annual savings on mortgage payments for homeowners who refinance refinance their property.See references for given approximate amounts below:

**4a.** "*$3,660 Back In Avg Savings Every Year*" - Average yearly mortgage payment savings, based on the following citations of the monthly amount: "*In total, the 16.7 million refinance candidates could save an aggregate of $5.1 billion per month if everyone took advantage of today’s rates. That works out to an **average of $305/month** per homeowner. Some 3.8 million are in the position to save $400 or more per month*."*[https://www.blackknightinc.com/blog-posts/even-as-rates-rise-nearly-17m-high-quality-refi-candidates-in-the-market/](https://www.blackknightinc.com/blog-posts/even-as-rates-rise-nearly-17m-high-quality-refi-candidates-in-the-market/)*

**4b.** "*Up To $4,980 In Savings Every Year*" - Average yearly mortgage payment savings in CA and NY, based on the following citations of highest average monthly amounts in the following chart in the bottom of the Black Knight article: *[https://www.blackknightinc.com/blog-posts/even-as-rates-rise-nearly-17m-high-quality-refi-candidates-in-the-market/](https://www.blackknightinc.com/blog-posts/even-as-rates-rise-nearly-17m-high-quality-refi-candidates-in-the-market/)*

**5.** "*Government*" , "*Biden*" , "*New Administration*" , "*Relief*" - assume multiple citations below from the following article: "Biden's $10 billion in financial assistance is expected to be available in 2022." *[https://finance.yahoo.com/news/biden-signed-10-billion-mortgage-133000243.html](https://finance.yahoo.com/news/biden-signed-10-billion-mortgage-133000243.html)*

**5a**. “*It’s the first time Congress has included mortgage assistance in pandemic relief,*" - Bob Broeksmit, president and CEO of the Mortgage Bankers Association

**5b**. "*You’re eligible for relief if you own your home and have a loan with a principal balance at or below the conforming loan limits set by Fannie Mae and Freddie Mac, the government-sponsored mortgage giants that buy or guarantee most U.S. home loans. The 2021 loan limit in most parts of the U.S. is $548,250*." - Bob Broeksmit, president and CEO of the Mortgage Bankers Association

**Refinancing is available in all USA states & cities.**

## Flex Cards

**6** Flex Cards: Medicare is NOT distributing these cards, private programs are.

6a. Many legitimate insurance companies do offer this benefit. However, they all require beneficiaries to pick up their Medicare Advantage plans.

6b. You could have up to $2,880 uploaded to a flex card. However, this is not always the case and is actually rare to receive this large amount. The average Flex Card in 2022 is pre-loaded with $500.

6c. You can use the card for groceries, new clothing, and shoes under some circumstances. These items must be deemed [medically necessary](https://www.medicarefaq.com/faqs/what-does-medically-necessary-mean/) by a licensed physician.

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