Fannie Mae is allowing lenders more flexibility in how they reverify loan applications and appraisals. At the end of the day, Fannie just wants to make sure that the loan you make is the loan you thought you were making.Fannie Mae is allowing lenders more flexibility in how they reverify loan applications and appraisals. At the end of the day, Fannie just wants to make sure that the loan you make is the loan you thought you were making.