Is it true that I can get a Fannie Mae loan with ease?

I have a house that might sell for $ 280,000 (my neighbors sold for $ 310,000) 2 years ago so that is going low. I need to refinance $ 175,00.

My friend said she did this & need no documentations & got 4%.
My husband died & I have no income so I know the loan would have to be based on the history I have had of paying bills for many years.
What is possible?
What would my payments be per month & for how many years? I just want to live in my house & when I die my son can rent it or sell it. I just can’t see moving into an apartment & not having the space & peace I have. I can also get roomates here which would be harder in an apartment & only a few hundred dollars less per month.

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