Fannie Mae is rolling out a new program that lets lenders include income from nonborrowers within a household, such as extended family members,toward qualifying for a loan.This program will only be open to low income or minority dominated areas. In some cases parents who do not live in the home may contribute income.There can be a down payment of 3% or less on this program. This is an excellent opportunity for the unique characteristics of minority groups which make up a growing share of of new households. With home ownership at an all time low this program allows more people to enter the buying market.