Modernization Initiatives

Ginnie Mae continues to modernize its Securitization Platform technology, processes, and related policies in response to the growing need for improved service delivery to its Issuers and investors, creating a fairer, more affordable and equitable housing finance system. Toward this goal, Ginnie Mae is transforming its platform operations to deliver greater business value.

Our migration to a public cloud is the foundation for our modernization and transformation initiatives. Ginnie Mae's efforts were recently acknowledged by peers in the technology industry when the agency was named a 2022 CIO 100 award recipient, recognition assigned to organizations that exemplify the highest level of operational and strategic excellence in information technology. This transition to a mature public cloud enhances Ginnie Mae's ability to respond to market changes and develop new products that help America's homeowners and renters.

Ginnie Mae has continued to invest in technology modernization and optimization efforts designed to simplify doing business with us. We expanded the functionality and value proposition of MyGinnieMae, our business processing hub, by launching important pooling tools for single- and multi-family as well as Platinum securities, helping to streamline those products. Additionally, we incorporated a state-of-the-art centralized helpdesk into the portal that significantly enhances the customer experience.

The broad details of these efforts were outlined in the 2022 Annual Report, an article by Barbara Cooper-Jones, SVP of Enterprise Data and Technology in the Ginnie Mae Housing Analysis & Policy Spotlight (HAPS) blog.

Technology modernization powers Ginnie Mae's enhanced securities disclosure. Enhanced disclosure of the mortgages underlying Ginnie Mae MBS give a clearer picture of Ginnie Mae's market-leading support for affordable housing and first-time homeownership, key visibility tools for investors interested in making Social investments as part of their broader Environmental, Social and Governance portfolio targets.

In addition to increasingly deeper data into the Social aspect of Ginnie Mae's MBS, technology driven data tools help Ginnie Mae report out the way its securities further Environmental investment goals portfolio managers may have. Overall, Ginnie Mae's ESG disclosure are aligned with the Biden-Harris Administration's commitments to affordable housing and environmental sustainability.

For an additional list of documents, publications, processes and further information regarding our modernization effort, please refer to technology and modernization articles published in the HAPS blog and in the tables below.

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GinnieNET Modernization

Ginnie Mae is modernizing its MBS platform by transitioning legacy GinnieNET functionality directly into the MyGinnieMae portal. By integrating pool processing and certifications into a single platform, users no longer need to launch a separate GinnieNET window. This upgrade delivers a faster, more scalable, and highly secure interface for doing business with Ginnie Mae.

Timeline

GinnieNET Modernization will occur in two phases:

Related Communications

An upcoming APM will be published here to highlight these Guide changes. You can also find links to all future Modernization Bulletins on this page as they become available.

Training and Resources

This page has curated information for the new MyGinnieMae functionality. We will regularly update this space with user manuals, Quick Reference Cards (QRCs), and implementation guides.

Stay Informed: We recommend monitoring this page and subscribing to Ginnie Mae training announcements to receive early alerts for upcoming webinars and newly available resources.

Resource Name	Release Date
HMBS Issuer Document Custodian Training	4/29/2026
Document Custodian MyGinnieMae Manual	6/3/2026
Home Equity Conversion Mortgage-Backed Securities (HMBS) Issuer - MyGinnieMae Manual	6/3/2026

HMBS Issuers

Who is impacted?

HMBS portal users who previously used GinnieNET to fulfill operational processing such as pool import, validation and submission as well as form generation.

Existing HMBS Users and Org Admins do not need to take any action if they have been provisioned one or more of the following functional roles:

HECM-Loan Delivery and Pooling Basic User
HECM-Loan Delivery and Pooling Authorized Signer
HECM-Collateral Management Basic User
HECM-Collateral Management Authorized Signer

Users mentioned above can find on-demand training under the Training and Resources section of this page.

As a HMBS Issuer, how do I perform processes that were previously in GinnieNET?

Pool Import and Validation will be performed in the new MyGinnieMae HMBS module accessible in the Tools dropdown by selecting “HMBS" or clicking on the HMBS Pools & Loans link on the My Dashboard page.

Pool Submission will also be performed in the new MyGinnieMae HMBS module. You will continue to be required to provide the RSA SecurID Passcode as part of the submission process

Generating HUD forms will also be available when viewing a pool's details page in the new module. These four reports are available to generate the appropriate HUD forms.

Schedule of Subscribers (11705).

Schedule of Pooled Mortgages (11706).

Schedule of Pooled Mortgages (11706-FC).

Certification and Agreement (11711B).

Single Family Issuers

Who is impacted?

Single Family Issuer users who currently perform operational processing in GinnieNET will transition to replacement functionality in SFPDM and MyGinnieMae. No action is required to enable this access for the following functional roles:

SF-Loan Delivery and Pooling Basic User

SF-Loan Delivery and Pooling Authorized Signer

SF-Collateral Management Basic User

SF-Collateral Management Authorized Signer

Please monitor Ginnie Mae training announcements or check this page for further details.

As a Single Family Issuer, how do I perform processes that were previously in GinnieNET?

Attestation: New screens in SFPDM will simplify the process, saving time and improving navigational efficiency.

Legacy Data: All legacy data, including HUD forms, will be accessible in SFPDM

Targeted Pool Reports: All existing targeted pool reports will be migrated to MyGinnieMae, ensuring uninterrupted access to historical data

Recertification Process: A new MyGinnieMae interface will be available to support the recertification process for Issuer and Document Custodian changes

Form HUD 11708 – Document Release: MyGinnieMae will reflect a new interface for the request for Document Release (Form HUD 11708) improving user experience through integration and standardization

Document Custodians

Who is impacted?

This update applies to all Document Custodian users who previously used GinnieNET for operational processing across HMBS, Single Family (SF), and Multifamily (MF) pools. Users with the existing functional roles listed below will automatically receive new entitlements on their profiles. Users and Organization Administrators (Org Admins) do not need to take any action to access the replacement functionality within MyGinnieMae.

DC-Pool Certification Basic User

DC-Pool Certification and Collateral Release Management Authorized Signer

Please monitor training announcements or check this page for further details.

As a Document Custodian, how do I perform processes that were previously in GinnieNET?

Initial & Final Certification will be performed in a new MyGinnieMae application accessible in the Tools dropdown by selecting “Pools and Loans Certification".

Recertification will be performed in a new MyGinnieMae application in the Tools dropdown by selecting “Recertification".

Acknowledging the release of documents process will be available via a new interface available on the MyGinnieMae Tools dropdown, namely “Request for Release of Documents" (HUD-11708).

Multifamily Issuers

Who is Impacted?

Multifamily Issuers currently performing operational processing in legacy GinnieNET will transition to replacement functionality in MFPDM. No action is required from users or Org Admins to enable access for the following functional roles:

MF-Loan Delivery and Pooling Basic User

MF-Loan Delivery and Pooling Authorized Signer

MF-Investor Reporting Basic User

MF-Investor Reporting Authorized Signer

Please monitor training announcements or check this page for upcoming details.

As a Multifamily Issuer, how do I perform processes that were previously in GinnieNET?

Data Migration: All legacy Multifamily data, including HUD forms, will be migrated to MFPDM, consolidating securitization applications into a single, modern platform.

Recertification Process: MyGinnieMae will reflect a new application interface supporting the recertification process for issuer and custodian changes, with all relevant GinnieNET data migrated to streamline operations.

Form HUD 11708 – Document Release: MyGinnieMae will feature a new application interface for the Request for Document Release (Form HUD 11708), enhancing user experience through integration and standardization.

HUD Forms: Functionality for HUD forms for new Multifamily pools will be available in MFPDM, in both MISMO and non-MISMO formats.

Document Custodian Transfer Request (DCTR) Application

Ginnie Mae is enhancing the MyGinnieMae portal by introducing a dedicated application for Document Custodian transfer and merger requests, providing Issuers and Document Custodians with improved and more efficient processing experience.

Starting April 14, 2025, the new DCTR application will be accessible via the Applications -> Other Applications menu in MyGinnieMae. Access to the functionality will be seamless for users who currently perform Document Custodian transfers and mergers in GinnieNET and have the necessary functional roles. When DCTR is launched, Document Custodian transfer and merger request transactions will no longer be performed in GinnieNET.

The new DCTR application introduces enhanced features and functionality that will provide benefits to both Issuers and Document Custodians. DCTR users will be able to leverage improved processing flow, enhanced pre-submission checks to mitigate potential downstream errors, explicit acknowledgement prior to submission, and improved notifications and reporting. Ginnie Mae will now approve/decline both merger and transfer requests in DCTR and have enhanced insight into the process via notifications and reporting.

For more information, please refer to the sections below and check back for ongoing updates.

Related Communications
Document	Publish Date
APM 25-01: Document Custodian Transfer and Merger Processes Migration	03/24/2025
Modernization Bulletin 59: New Document Custodian Transfer Request (DCTR) Application	03/18/2025

Training and Instructions
Publication Name	Publish Date
(DCTR) Document Custodian Transfer Request User Manual	04/08/2025
Document Custodian Transfer Request (DCTR) Training	04/08/2025

FAQs / Common Inquiries
Resource Name	Release Date
Frequently Asked Questions (FAQs)	04/07/2025

Ginnie Mae Central (GMC) Financials Module

Ginnie Mae is excited to introduce Ginnie Mae Central (GMC), a comprehensive application within MyGinnieMae designed to revitalize and enhance three core business processes: Insurance, Financials, and Compliance & Monitoring (C&M). GMC will improve the efficiency, accuracy, and accessibility for Issuers, Subservicers, and Document Custodians in managing these business processes.

The Financials module streamlines the Audited Financial Statement (AFS) package submission process for Issuers (currently managed under the Independent Public Accounting module). Through this updated process, stakeholders can expect more streamlined communication and less churn in submitting and reviewing documentation. Stakeholders of the Insurance and Financials processes can leverage the materials below to learn about the process and tools that are changing for this modernization effort.

Timeline
Document	Publish Date

User Resources - These user materials are updated, as needed, during ongoing development and testing efforts.
Resource Name	Release Date
GMC Financials User Manual	04/24/2024
Ginnie Mae Central: Financials (eLearning Module)	05/22/2024

‭(Hidden)‬ Single Family Pool Delivery Module (SFPDM) - MISMO

The Single Family Pool Delivery Module (SFPDM) is Ginnie Mae’s modernized application for the delivery of Single Family and Manufactured Housing issuance data. This application offers several new capabilities, including greater transparency into the progress of submitted pools through an intuitive and user-friendly interface.

The modernized application supports the submission of Ginnie Mae’s new Pool Delivery Dataset (PDD), which leverages the mortgage data standards and XML specifications created by the Mortgage Industry Standards Maintenance Organization (MISMO). Ginnie Mae’s PDD is specific to Ginnie Mae’s business model and therefore contains some unique data points that may not be a part of other MISMO compliant datasets within the mortgage industry. Additionally, SFPDM allows Issuers to manually enter pool and loan data if they do not intend to import data using PDD files.

On June 1, 2023, Ginnie Mae released APM 23-08 announcing the required PDD/SFPDM implementation date and the revised GinnieNET cutover. The latest SFPDM Adoption Timeline can be found here.

The three key components of this adoption effort are:

Pool Delivery Dataset (PDD) - MISMO v3.3-compliant XML-formatted data for Single Family pools and loan import to SFPDM
Validation and Testing Tool (VTT) - Testing application for validating PDD structural and data specifications, as well as Ginnie Mae Business Rules or Edits
Single Family Pool Delivery Module (SFPDM) - New production application for PDD submissions to replace GinnieNET

Issuers are expected to use the information and tools provided on this page to prepare for the transition to SFPDM. For additional information and questions, please email askGinnieMae@hud.govor call Ginnie Mae Customer Support at 1-833-466-2435.

Related Communication
Publication Name	Publish Date
Modernization Bulletin 58: Ensuring Accurate Down Payment Assistance Reporting in SFPDM	03/11/2025
Setting up Subscriber Delivery Instructions (Quick Reference Video	06/10/2024
APM 23-08: Single Family Pool Delivery Module (SFPDM) Adoption for Single Family and Manufactured Housing Program Issuers	06/01/2023
Modernization Bulletin 25: Required SFPDM Adoption and GinnieNET Cutover	06/01/2023
Modernization Bulletin 23: Announcing Enhancements to SFPDM and VTT	04/03/2023
Modernization Bulletin 22: PDD Specifications 3.0 Release	02/02/2023
Modernization Bulletin 16: Announcing New SFPDM Enhancements	05/24/2022
Modernization Bulletin 12: PIIT Execution during SFPDM 18-Month Adoption Window	04/25/2022

Technical Implementation Resources
PDD
The PDD "Implementation Guide" and its appendices are technical resources provided to help you develop and test the new Pool Delivery Dataset (PDD). The "Appendix B - Usage Scenarios" and "Appendix C - XML Examples" are updated each month to align with the passage of time during ongoing development and testing efforts. If updates are made to the PDD XML technical specifications, those changes will be detailed in the "PDD Implementation Guide" and applicable appendices.
Resource Name	Release Date
PDD Implementation Guide	12/16/2024
PDD Implementation Guide: Appendix A - XML Data Requirements	12/03/2025
PDD Implementation Guide: Appendix B - Usage Scenarios	12/03/2025
PDD Implementation Guide: Appendix C - XML Samples	12/03/2025
PDD Implementation Guide: Appendix D - XML Data Reference	12/03/2025
PDD Implementation Guide: Appendix E - XML Schema Definition	02/02/2023
PDD Implementation Guide: Appendix F - Legacy to MISMO Translation	12/16/2024
PDD / Uniform Loan Delivery Dataset (ULDD) Common Data Points	07/13/2022
PDD Quick Guides	08/19/2021
VTT
Resource Name	Release Date
Validation & Testing Tool (VTT) Training Presentation	04/27/2023
Validation & Testing Tool (VTT) Training Demo	04/27/2023
VTT QRC	03/11/2021
VTT User Manual	03/12/2024
SFPDM
Resource Name	Release Date
Single Family Pooling Business Rules and Errors Guide	01/21/2026
SFPDM User Manual	06/20/2024
Exporting Pool Data in Excel Format (Quick Reference Video)	12/07/2023
QRC-SFPDM Identifying GinnieNET vs SFPDM Pool Submissions (Quick Reference Card)	07/25/2023
Setting Up Subscriber Information in SFPDM (Quick Reference Video)	04/20/2023
Populating Subscriber Information in SFPDM (Quick Reference Video)	04/20/2023
Working with SFPDM Overview (eLearning Module)	02/10/2023
Using SFPDM (eLearning Module)	02/10/2023
SFPDM Manual Entry Pool Submission Training Recording	01/19/2023
SFPDM Training Presentation	04/26/2022
SFPDM Training Recording	03/11/2021
FAQs / COMMON INQUIRIES
Resource Name	Release Date
Frequently Asked Questions(FAQs)	06/30/2023
SFPDM / PDD / VTT Common Inquiries	07/06/2023
Tips for Leveraging PDD Resources	07/18/2023
Comparing Key Features of GinnieNET vs. SFPDM	12/07/2023

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