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房利美(Federal National Mortgage Association,简称：Fannie Mae)，即联邦国民抵押贷款协会，成立于1938年。

房利美成立于1938年。当时，由于缺乏抵押贷款资金的持续供给，美国有数百万的家庭无法拥有自己的住房，或者面临失去住房的风险。政府成立房利美的目的是增加抵押贷款资金的流动性，降低购房成本。最初，房利美作为一个政府机构，只被授权购买经过联邦住宅管理局担保的抵押贷款。1968年，房利美成为私营公司，其权利扩大到了购买未经联邦住宅管理局担保的抵押贷款。

Fannie Mae, the Federal National Mortgage Association, was founded in 1938. Fannie Mae was founded in 1938. At that time, due to the lack of continuous supply of mortgage funds, millions of households in the United States could not own their own houses or faced the risk of losing their houses. The government set up Fannie Mae to increase the liquidity of mortgage funds and reduce the cost of house purchase. Initially, Fannie Mae, as a government agency, was only authorized to buy mortgages guaranteed by the Federal Housing Administration. In 1968, Fannie Mae became a private company, expanding its rights to buy mortgages that were not guaranteed by the Federal Housing Administration.

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