NOVELTY - A composition comprises: a carbonaceous biomass, and a microorganism that is capable of direct hydrolysis and fermentation of the biomass, where the microorganism is genetically modified to express at least one expansin and/or swollenin protein.    USE - As genetically modified microorganism composition for production of a biofuel and for production of fermentation end-product, where the fermentation end-product is ethanol, lactic acid, acetic acid or formic acid (claimed).    ADVANTAGE - The methods and compositions enhance saccharification of biomass. By the methods and compositions, fermentation end-products are produced in a highly efficient manner as compared to prior art methods. The high efficiency is achieved by more complete or increased saccharification of biomass. The high efficiency is achieved by more complete or increased fermentation of the saccharified products.    DETAILED DESCRIPTION - INDEPENDENT CLAIMS are included for the following:    (1) an isolated microorganism that is capable of directly fermenting a lignocellulosic biomass, where the microorganism is genetically modified to express at least one expansin and/or swollenin protein;    (2) a product for production of a fermentation end-product comprising: (a) a fermentation vessel comprising a carbonaceous biomass; (b) a microorganism that is capable of direct hydrolysis and fermentation of the biomass, where the microorganism is genetically modified to express at least one expansin and/or swollenin protein; and (c) a source of at least one protein that is external to the microorganism; where the fermentation vessel is adapted to provide suitable conditions for fermentation of at least one carbohydrates into a fermentation end-product;    (3) producing (m1) a fermentation end-product involving: contacting a carbonaceous biomass with the microorganism; and allowing sufficient time for the hydrolysis and fermentation to produce a fermentation end-product;    (4) a fermentation end-product produced by method (m1);    (5) producing (m2) a fermentation end-product involving contacting a carbonaceous biomass with: a microorganism that hydrolyses and ferments the biomass; an external source of at least one expansin or swollenin enzyme and at least one cellulase; and allowing sufficient time for the hydrolysis and fermentation to produce a fermentation end-product; where no external addition of xylanase, hemicellulase, glucanase or glucosidase is made.