In 1968 Congress activated the Govern-
ment National Mortgage Association
(GNMA) to help finance needed housing
by making real estate mortgages attrac-
tive to all types of investors regard-
less of previous experience with mort-
gages. GNMA developed a new type of
mortgage-backed security--the Pass-
Through Ginnie Mae--which represents
a pool or package of government insured
mortgages. The timely payments of
principal and interest on these securities
are guaranteed by GNMA. In turn, these
guarantees are backed by the full faith
and credit of the United States govern-
ment.
The Ginnie Mae Manual is intended as a
guide for both institutional and indi-
vidual investors. It is for information
purposes only. Under no circumstances
is it to be used or considered as an offer
to sell, a solicitation of any offer, or an
offer to buy any security. While the in-
formation contained in the manual has
been obtained from or is based upon
~ources believed reliable, the GNMA
Mortgage-Backed Secttrities Dealers As-
sociation does not represent that it is
accurate or complete and should not be
relied upon as such. Members of the As-
sociation may from time to time have
long or short positions and buy or sell
securities referred to in the book.
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