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Going Green? Ask Questions First!

Going Green? Ask Questions First!

If you're looking to finance your energy–efficient home improvements, make sure you ask yourself these three questions first.

Paying Down the Mortgage: Meet Stephen, Brad and Patty

Paying Down the Mortgage: Meet Stephen, Brad and Patty

We reached out to three homeowners, all at various stages of their mortgage, and asked them how it felt to be paying off their home. Read what they had to say.

Making (Manufactured) Home Sweeter

Making (Manufactured) Home Sweeter

Manufactured homes are an affordable option for many people, especially in rural areas. Our support for manufactured housing communities helps keep them that way.

3% Down in Three Easy Steps

3% Down in Three Easy Steps

Are you looking to take advantage of a 3% down payment? Here are the three steps that you need to know.

Get Smart(er) on Green

Get Smart(er) on Green

Knowing the facts about your home's energy consumption is important for everyone as the country continues to advance its efforts to conserve. How much do you know?

What Does Homeownership Mean? We Asked, They Answered

What Does Homeownership Mean? We Asked, They Answered

In honor of National Homeownership Month wrapping up — and our important mission of making home possible — we asked families across the nation, 'What does homeownership mean to you?'

Freedoms of Homeownership

Freedoms of Homeownership

When considering the pros and cons of buying a home, one thing you can place in the 'pros' column is the independence owning a home can bring.

Homeownership: Beyond the Mortgage

Homeownership: Beyond the Mortgage

The financial obligations of owning a home are more than just paying the mortgage. Similar to owning a car, your home will need regular upkeep to keep it safe and in great shape.

The Math Behind Putting Less Than 20% Down

The Math Behind Putting Less Than 20% Down

Did you know that you could buy a home with a down payment of less than 20%? Lots of people do. Want to join them? Find out how all of the numbers add up.

How New Homeowners Can Keep Lawns and Wallets Green

How New Homeowners Can Keep Lawns and Wallets Green

Smart landscaping and lawn care are essential to protecting the value of the most expensive thing you are ever likely to buy: your home.

Five Benefits of Homeownership You Need to Know

Five Benefits of Homeownership You Need to Know

If you're looking to take the plunge into homeownership, its likely you've made a pros and cons list. Here are five things that should go straight to the top of your pros list.

Celebrating Homeownership

Celebrating Homeownership

This June we're celebrating National Homeownership Month by providing helpful tips on buying and owning.

How Much Does it Cost to Sell Your Home?

How Much Does it Cost to Sell Your Home?

We all know that buying a home costs money, however, selling a home is costing homeowners across the country a surprising amount.

Why the 30-year Fixed Rate Wins 'Most Popular'

Why the 30-year Fixed Rate Wins 'Most Popular'

Of all of the mortgage products out there, the 30–year, fixed–rate mortgage reigns as the most popular. Find out why it's been the favorite for years.

Need a Spring Refresh? Consider Refinishing Your Kitchen Cabinets

Need a Spring Refresh? Consider Refinishing Your Kitchen Cabinets

Refinishing kitchen cabinets is a popular DIY project that takes time and attention to detail, but the results will revitalize the look of your kitchen at a fraction of the cost of a full remodel.

Who Do I Call...For Mortgage Help After a HAMP Interest-rate Reset?

Who Do I Call...For Mortgage Help After a HAMP Interest-rate Reset?

Have you fallen behind on your monthly mortgage payments since the interest rate reset on your HAMP–modified loan and wondered if there's a way to help you get back on track?

The Importance of Affordable Housing and Homeownership

The Importance of Affordable Housing and Homeownership

In commemoration of Black History Month, Freddie Mac held a panel discussion on the company's commitment to affordable housing, particularly in the African American community.

Remodeling Tips for Aging in Your Home

Remodeling Tips for Aging in Your Home

More than 60 percent of homeowners ages 55 and up say they would prefer to age in place versus downsize. Check out some remodeling strategies to ensure a safe and comfortable living environment that meets life's changing needs.

Who Do I Call...If I Need Mortgage Help While I'm Unemployed?

Who Do I Call...If I Need Mortgage Help While I'm Unemployed?

Are you struggling financially because you lost your job and want to know whether there's a way to reduce the strain of trying to make your monthly mortgage payments until you find a new job?

Need Housing Help? Start Here

Need Housing Help? Start Here

At one of the 14 Freddie Mac–sponsored borrower help centers across the country, you can get tips and tools to prepare for homeownership.

It's All About You

It's All About You

Homebuyers and homeowners directly influence how Freddie Mac does business even though you're not our direct customers.

Finding the One

Finding the One

Today we're wrapping up our new year, new home blog series with tips on how to choose the right location and the right type of home for you.

Who Do I Call...If I Need to Move for a Military or Other Job Relocation?

Who Do I Call...If I Need to Move for a Military or Other Job Relocation?

Do you need to relocate within a tight timeframe because of a permanent change of military station or other job transfer and want to explore options for selling your home quickly?

The Cost of Moving In

The Cost of Moving In

Whether you're moving across town or across the country, you'll need to budget for the cost of transporting yourself and everything you own to a new home.

The Down Payment Math Challenge

The Down Payment Math Challenge

If you're in the market to buy a home, the amount of your down payment is likely top of mind: three percent, five percent, 10 or 20. There's no right answer for everyone; what is right for you depends on some key factors, namely your savings and monthly budget.

Who Do I Call...For Mortgage Help During Financial Hardship?

Who Do I Call...For Mortgage Help During Financial Hardship?

If a major event in your personal life has dealt a long–term blow to your finances, are you wondering whether you might have your monthly mortgage payment lowered to fit your reduced income?

Forecasting 2017 with Freddie Mac's Chief Economist

Forecasting 2017 with Freddie Mac's Chief Economist

As 2016 gives way to 2017, we move away from recapping the year that was and transition to prognosticating the year to come.

Improve Your Homebuying Odds: Get Pre-Approved

Improve Your Homebuying Odds: Get Pre-Approved

Anyone looking to buy — especially in a competitive market — should ask a reputable lender to pre–approve them for a mortgage.

Hacks for Un-Decking the Hall

Hacks for Un-Decking the Hall

The decorations that are so exciting to hang up can be just as daunting to take down as we move from the season of 'Deck the Halls' to the season of 'What do I do with it all?'

Who Do I Call...About a Letter I Received from Freddie Mac?

Who Do I Call...About a Letter I Received from Freddie Mac?

Did you receive a letter from Freddie Mac with the subject, 'Borrower Notification: Freddie Mac Has Purchased Your Loan' but don't know what it means or what to do about it?

5 Ways to Reduce Heating Bills

5 Ways to Reduce Heating Bills

There are dozens of ways a homeowner can reduce their heating bills. Here are fives ways that provide a good return on investment, are fairly easy to accomplish and are relatively inexpensive when compared with other energy improvements.

Homebuyers: Is $10,000 Waiting for You?

Homebuyers: Is $10,000 Waiting for You?

Eighty–seven percent of U.S. homes are eligible for one or more homeownership programs. The down payment program benefit most frequently found? About $10,000! Could you qualify?

Borrowing Power to Increase Nationwide in 2017

Borrowing Power to Increase Nationwide in 2017

New rules mean you may be able to borrow more next year.

Considering A Manufactured Home?

Considering A Manufactured Home?

Forget what you think you know about manufactured homes. With prices averaging $71,300, they might just be the affordable housing option you're looking for.

PMI: Your Top Questions Answered

PMI: Your Top Questions Answered

Private mortgage insurance (PMI) is a big topic for homeowners and homebuyers alike and there is good reason, namely your wallet. Follow along as we share the top questions received today, along with the answers.

What Do Homebuying and High School Have in Common?

What Do Homebuying and High School Have in Common?

Counselors who can help you succeed. A high–school guidance counselor might have advised you on what you needed to do to graduate and the path you might take toward your future. A housing counselor can advise you on how to become and stay a homeowner.

The Energy Revolution and You

The Energy Revolution and You

The topic of clean energy has been on the table for decades, with many left wondering if it would ever take flight. Well, it has, and it's power is making a big impact on the environment and your wallet.

A Down Payment of Less than 20% Is OK. Really.

A Down Payment of Less than 20% Is OK. Really.

Did you know that the average down payment among first–time homebuyers is 6% and it's 13–14% for repeat buyers, according to the National Association of Realtors®? It's possible to put down even less.

Baby Boomer Myths: Up-Close and Personal with Sean Becketti, Chief Economist

Baby Boomer Myths: Up-Close and Personal with Sean Becketti, Chief Economist

Baby Boomers comprise one-quarter of the population but own two-thirds of the housing wealth. Their decisions will reshape our housing market in the coming years. Freddie Mac's chief economist uses our latest survey results to bust some myths about 55+ homeowners and renters.

Myth vs. Fact Quiz

Myth vs. Fact Quiz

Over the last few months we've been dispelling the top two myths on everything from down payments to renting. See how well you know the facts in today's quiz.

Do You Know Your Energy?

Do You Know Your Energy?

Knowing the facts about energy consumption and conservation is important for all families as the U.S. continues to advance its efforts to conserve. We've hand picked some important facts: do you know your energy?

Energy Costs Across the Country: The Highs, The Lows

Energy Costs Across the Country: The Highs, The Lows

Monthly energy costs can vary wildly from state-to-state, with some states seeing nearly double the cost as others. And it's not just about low energy prices, it's about consumption. See how the states stack up.

Myth vs. Fact: Qualifying for a Mortgage

Myth vs. Fact: Qualifying for a Mortgage

Confused about what it takes to get a mortgage in today's market? Here are the facts to dispel the two biggest myths about qualifying for one.

4 Reasons to Make Your Home More Energy Efficient

4 Reasons to Make Your Home More Energy Efficient

It's not just about lower utility bills. Learn about all the reasons that drive today's homebuyers and homeowners to be green at home.

Good News for HARP: More Time, Low Rates

Good News for HARP: More Time, Low Rates

HARP, one of the most successful crisis-era programs for homeowners has been extended to September 30, 2017. If you haven't acted yet, you now have more time to take advantage of today's low rates.

Green? Or Just a Shade of Green?

Green? Or Just a Shade of Green?

If you're in the market to buy an energy-efficient home, take note of a practice called 'greenwashing' that may oversell the true 'green.' Is it really energy-efficient or are you being misled by a mere lightbulb?

Myth vs. Fact: 3% Down Mortgage

Myth vs. Fact: 3% Down Mortgage

Not sure you qualify for our 3% down mortgage? Today we're dispelling the top two myths about what it takes.

Myth vs. Fact: PMI

Myth vs. Fact: PMI

Confused about PMI? You're not alone. So today we're dispelling the top two myths.

Knowledge is Power. Really.

Knowledge is Power. Really.

One of the first steps for saving on your utility bills is to determine how much energy your appliances use. What trumps what — the computer, dishwasher or clothes dryer — for making your bills soar? Find out.

15 Low-Cost Money-Saving Energy Tips: You've Got the Power

15 Low-Cost Money-Saving Energy Tips: You've Got the Power

The typical U.S. family spends at least $2,200 a year on home utility bills. These bills are a part of life, however many don't realize the power they have to cut this figure by up to 25%. Find out how and start saving today.

3.4 Million Homeowners Have Saved Big $$$ Through HARP. Could You?

3.4 Million Homeowners Have Saved Big $$$ Through HARP. Could You?

If you're underwater on your mortgage and could use extra cash in your wallet, call your lender today and ask if HARP can help you.

Going Green: Tax Credits & Rebates

Going Green: Tax Credits & Rebates

In the market to make energy-efficient improvements to your home? Be sure to check out federal tax credits and product rebates from your state and local governments and utility company to help offset your up front costs.

Financing Your Green: Three Critical Questions to Ask

Financing Your Green: Three Critical Questions to Ask

If you're looking to finance energy efficient improvements for your home, your first step is to get educated on today's programs to avoid financial pitfalls in the future. Dig in and get clear answers to your questions.

Faces of HARP Success

Faces of HARP Success

Homeowners nationwide continue to reap significant savings by refinancing through the HARP, with an average savings of $2,400 per year. HARP expires at the end of this year - don't let the savings window close on you.

3 Steps to 3% Down

3 Steps to 3% Down

3% down in today's market is the real deal. Today we're sharing 3 steps to a 3% down Freddie Mac Home Possible Advantage mortgage.

HARP: Get the Facts and Act Fast

HARP: Get the Facts and Act Fast

Over 3.4 million homeowners have been helped through HARP, yet many eligible homeowners are still sitting on the sidelines due to common myths about the program. Follow along as we deliver the facts.

$650 Billion And Going Strong

$650 Billion And Going Strong

We're celebrating an important corporate milestone — the transfer of a significant amount of mortgage credit risk on $650 billion in unpaid principal balance of single-family and multifamily loans.

Who to Contact After Closing

Who to Contact After Closing

You were lucky enough to find and buy your dream home during this spring homebuying season. Now you have questions about your loan, so who should you call?

HARP: Two Ways to Save

HARP: Two Ways to Save

HARP, a federal program launched to help homeowners who owe more on their home than it's worth, helps borrowers save in two ways: through lower rates and lower terms. Find out if you're eligible for HARP and act fast as the program ends soon!

4 Tips to Keep Your Cool on Closing Day

4 Tips to Keep Your Cool on Closing Day

The thing you'll probably remember years later about your closing is how many times you had to sign your name. No need to feel overwhelmed! Following these tips will help you stay calm, cool, and collected during your closing.

Calculating Ways Homeowners Can Save Money

Calculating Ways Homeowners Can Save Money

During the homebuying process, you're probably focused on all of the related costs. Why not think a bit about how you might save money once you're a homeowner? Freddie Mac's calculators and worksheets can help.

Dear Seller, Pick Me

Dear Seller, Pick Me

Congratulations, you've found the home of your dreams! Before you submit an offer, you may want to include one thing to set you apart from the competition — a letter to the seller.

Try, Try Again: Responding to a Counteroffer

Try, Try Again: Responding to a Counteroffer

You've found the right team. You've found the right home. You're all set to name a price and start moving in furniture, right? Wrong! Making the initial offer is often just the first of several steps before signing the contract.

Take the Anxiety Out of Your First Home Offer

Take the Anxiety Out of Your First Home Offer

Here's how to put together an opening bid on a house without making yourself a nervous wreck.

Who Let the Bugs In?

Who Let the Bugs In?

Spring has sprung and so have the bugs and rodents seeking to invade homes. Whether you are looking at homes to purchase or are a homeowner, there's no time like the present to inspect a home's exterior, especially after the long winter season, which can make it more inviting to house-hunting pests.

Job Interview Questions for Your Next Lender

Job Interview Questions for Your Next Lender

Questions you'll want to ask to find that lender who will follow through on their promises, close your loan on time, and get you the best deal you can afford.

Borrower Help Centers Guide the Path to Homeownership

Borrower Help Centers Guide the Path to Homeownership

The journey toward owning a home can seem long and winding, especially if you're a first-time homebuyer. A housing counselor can help you map a clear path and guide your way forward. Freddie Mac's Borrower Help Centers and Borrower Help Network offer the trustworthy, one-to-one help you may want.

Do You Know Your Housing Lingo?

Do You Know Your Housing Lingo?

If you've just dipped your toe into the house-hunting world, it's easy to feel overwhelmed — especially when everyone seems to be speaking an unfamiliar language.

Why Was My Mortgage Sold?

Why Was My Mortgage Sold?

Did you receive a letter stating that Freddie Mac purchased your loan? If so, do not be alarmed and check out our most frequently asked questions.

Mortgage Rates: Still Something to Celebrate

Mortgage Rates: Still Something to Celebrate

Today's mortgage rates remain near historic lows and this has an important and direct effect on how much home you can afford.

What Should Home Shoppers Know About Remodeling?

What Should Home Shoppers Know About Remodeling?

From a home shopper's point of view, buying a recently remodeled house could be a savvy way to buy cool upgrades, like an upscale bathroom, for about half the project's original cost. Remodeling Magazine's latest Cost vs. Value report shows why.

Top 5 Cities for Walking, Biking, and Transit

Top 5 Cities for Walking, Biking, and Transit

Why is location so important? Because it's about convenience, quality of life, and being close to things that matter most.

3 Tips to Find the One

3 Tips to Find the One

You've pored over local real estate listings and watched hours of house hunting shows. You're ready to take the plunge and start seriously looking for a new home. How can you make sure you pick the right one?

3 Tips to Find the One

3 Tips to Find the One

You've pored over local real estate listings and watched hours of house hunting shows. You're ready to take the plunge and start seriously looking for a new home. How can you make sure you pick the right one? Follow these 3 tips.

Avoid These 7 Borrowing Pitfalls

Avoid These 7 Borrowing Pitfalls

Because lending transactions often seem complicated, it's not unusual for borrowers to rely on the expertise of professionals for guidance. But what if the 'professional' you choose is actually a scam artist or predator looking to push you into a costly or risky situation?

How Much Home Can You Afford?

How Much Home Can You Afford?

Condo? Fixer-upper? McMansion? Starter home? Town house? Tiny house? Before you start looking seriously at buying ANY kind of home this spring, you'll first need to answer the single-most important question: How much home can I afford?

You've Got Mail

You've Got Mail

Do you want to know more about buying or renting a home, the housing market and housing finance? It's quick and easy when you sign up for our weekly roundup.

More than 3.3 Million People Have Saved With HARP. Could you?

More than 3.3 Million People Have Saved With HARP. Could you?

If you owe more on your mortgage than your home is worth and haven't refinanced into a lower interest rate yet, then HARP is designed for you.

How It Works: The Mortgage Loan Application Process

How It Works: The Mortgage Loan Application Process

Read on to see what the mortgage application process is all about.

How It Works: The Closing Process

How It Works: The Closing Process

You'll sign many important documents at closing, the final step in the homebuying process when the property is legally transferred to you. Learn more about what to expect at closing and how it all comes together.

How it Works: Amortization

How it Works: Amortization

Your amortization table outlines every monthly payment you make on your loan and its contribution toward equity. Find out how it works and why it's important.

How it Works: Adjustable Rate Mortgages (ARMs)

How it Works: Adjustable Rate Mortgages (ARMs)

Is an ARM right for you? Learn how they work before making your decision.

How It Works:  The Secondary Mortgage Market

How It Works: The Secondary Mortgage Market

Follow along with our new blog series, where we discuss how things work in the mortgage market, from underwriting your loan to credit risk transfer. To kick off the series, we introduce you to the inner workings of the secondary mortgage market.

The Top 10

The Top 10

The results are in. We've run the numbers and here are 10 most-read posts of 2015. See what interesting topics you might have missed.

Tips, Bits & Lists: Day 11

Tips, Bits & Lists: Day 11

On the 11th day of tips, bits & lists, we introduce you to 11 online calculators designed to help demystify mortgages.

Tiny Houses: Just Right for Retirement?

Tiny Houses: Just Right for Retirement?

Tiny houses and micro-units typically bring to mind Millennials and Generation Xers shrinking their housing costs and environmental impacts. But they could be gaining popularity among Baby Boomers, too.

Get Ready, Here Comes Winter

Get Ready, Here Comes Winter

Winter is off to a mild start in many places across the country but, depending on where you live, that'll change soon enough. So take this time to prepare yourself and your home for the wintry weather ahead.

 What Do Renters Save For: Tahiti or an Emergency Expense?

What Do Renters Save For: Tahiti or an Emergency Expense?

What are renters' savings priorities? We asked these questions and more in our quarterly renter survey.

Refinancing: What to Expect

Refinancing: What to Expect

Throughout the term of your mortgage, you may choose to refinance. Find out what you can you expect from the refinance process and how it can affect your wallet – short- and long-term.

The Closing Process: What to Expect

The Closing Process: What to Expect

You've saved for it, searched for it, found it, and negotiated over it. Finally, you're ready to take possession of it — your new home. Before that can happen, however, comes the closing process.

Financial Obligations: What to Expect

Financial Obligations: What to Expect

There are many financial obligations that come with homeownership. Here's what you can expect.

Your Answers Are Just a Click Away

Your Answers Are Just a Click Away

At home or on the go, My Home is built to share and connect people with in-depth and user-friendly information that answers important questions about home. Find out why it's worth getting connected.

Giving Credit Where Credit Is Due

Giving Credit Where Credit Is Due

It's International Credit Union Day – and we're giving credit where credit is due.

Making an Offer: What to Expect

Making an Offer: What to Expect

You've found the home you've been searching for and now it's time to make your offer. Learn what steps to expect in the process.

Your Team: What to Expect

Your Team: What to Expect

Learn what to expect from your home buying team.

Freddie Mac's support for student housing

Freddie Mac's support for student housing

Student housing is a growing sector of the multifamily market.

Meet the Experts: Housing Counseling

Meet the Experts: Housing Counseling

Learn 3 ways housing counselors can help you.

Meet the Experts: Home Purchase Costs

Meet the Experts: Home Purchase Costs

Watch this video to understand the 3 main costs of buying a home.

Meet the Experts: Down Payments

Meet the Experts: Down Payments

Learn 3 facts about down payments that may surprise you in our Meet the Expert video series.

Help for Borrowers Struggling to Make Higher HAMP Payments

Help for Borrowers Struggling to Make Higher HAMP Payments

If higher HAMP payments have left you struggling, you may be eligible to have your loan re-modified.

Where Are Homebuyers Hiding? In Single-Family Rentals

Where Are Homebuyers Hiding? In Single-Family Rentals

The housing industry is wondering who is America's next homebuyer? One group is people renting single-family properties, according to new Freddie Mac research.

4 Tips to Help You Plan for Home Maintenance

4 Tips to Help You Plan for Home Maintenance

Maintenance will cost you time and money, but it can protect your home's value and ensure the comfort and safety of your family. These 4 tips can help you plan.

Remodeling? 6 Tips for Hiring Professionals

Remodeling? 6 Tips for Hiring Professionals

Chances are you'll need to hire professional help for at least part of your remodeling project. Keep these 6 in mind when hiring one:

Getting Down to Brass Tacks: Escrow

Getting Down to Brass Tacks: Escrow

You've done your homework and are ready to own a home. You know what you can afford and understand your rate and terms. And just when you thought you had all the real estate lingo down, a new term came along: escrow. What is it and do I need it?

Attention Service Members, Veterans, Educators, First Responders in Jacksonville FL

Attention Service Members, Veterans, Educators, First Responders in Jacksonville FL

Freddie Mac's HomeSteps® REO Sales Division is holding its Second Annual Housing Fair and Open House on August 8 to provide free homeownership counseling and bus tours of available homes to service personnel, educators, first responders, and city workers.

Getting Down to Brass Tacks: Taxes and Insurance

Getting Down to Brass Tacks: Taxes and Insurance

If you've visited online calculators to find out how much home you can afford, you've likely come across the asterisk by the resulting payment, noting that it doesn't include taxes and insurance. Why? And how do I budget for them? Let's dig in.

Take Root Milwaukee Celebrates Fifth Year of Stabilizing Neighborhoods

Take Root Milwaukee Celebrates Fifth Year of Stabilizing Neighborhoods

Since Freddie Mac launched Take Root Milwaukee in 2010, the 32 member lenders, real estate firms, and government agencies have helped more than 16,400 residents buy a home, fix a home, build their finances, and avoid foreclosure.

Getting Down to Brass Tacks: The Amortization Schedule

Getting Down to Brass Tacks: The Amortization Schedule

You've decided to become a homeowner and are trying to make sense of many new and important terms, such as amortization. What is it and how does it benefit me? Think consistency.

10 Tips to Keep Burglars at Bay While You're Away

10 Tips to Keep Burglars at Bay While You're Away

According to the FBI, burglary victims lost an estimated $4.5 billion in property in 2013. The average dollar loss per case was $2,322.

Floor Plans of TV's Most Famous Fictional Families

Floor Plans of TV's Most Famous Fictional Families

Big fan of The Simpsons? How about The Big Bang Theory? Or maybe Friends, or even Frasier? It's easier than ever to live like your favorite TV character.

Getting Down to Brass Tacks: Equity Matters

Getting Down to Brass Tacks: Equity Matters

Homeownership sounds appealing for many reasons, and the chatter about 'building equity' has you particularly intrigued. But what exactly does building equity mean and how does it work?

Are You Ready to Have The Talk About ... Mortgages?

Are You Ready to Have The Talk About ... Mortgages?

A large percentage of new renters and homebuyers rely on parents or advice. My Home by Freddie Mac can help family and friends answer the tough questions about mortgages, leases, closing costs and other housing matters.

10 States with the Highest Foreclosure Rates

10 States with the Highest Foreclosure Rates

The national foreclosure rate reached a 19-month high in May, according to real estate information company RealtyTrac. As reported in USA Today, the rise is largely the result of a bottleneck of older foreclosures finally being pushed through the process.

4 Reasons Home Sales Are Surging

4 Reasons Home Sales Are Surging

Reports the Associated Press: 'Home sales are on pace for their best year since 2007. First-time buyers are streaming back into the market.' Why all the activity now after so many years of sluggishness?

May Home Sales

May Home Sales

With new home sales data out for May, we're currently running 17,000 home sales (non-seasonally adjusted) above the May 2013 rate keeping us on track for the best year in home sales since 2007.

You've Got Questions? We've Got Answers

You've Got Questions? We've Got Answers

What's on your mind these days when it comes to housing? Thanks to our consumer response specialists who answer your questions every day, we've got a pretty good idea. Here are five of the questions they hear most often.

HARP Refi Extended through 2016

HARP Refi Extended through 2016

Freddie Mac is extending a successful program that has helped millions of homeowners.

Spring Homebuying Tips in a Seller's Market

Spring Homebuying Tips in a Seller's Market

In a seller's market, you need to be smart and prepared to get the right house at the right price. Here are 12 tips for buying a home this spring.

Get CreditSmart

Get CreditSmart

April is National Financial Literacy Month and a good reminder of how important it is to be financially literate. It's especially key if you're thinking about buying a home. Learn more about the tools you need to become a successful homeowner.

Heading into May, Momentum Builds for Home Sales

Heading into May, Momentum Builds for Home Sales

Last month, we indicated that April would be a make or break month for home sales. So, how are we doing?

Choosing a Neighborhood: 5 Considerations for First-time Buyers

Choosing a Neighborhood: 5 Considerations for First-time Buyers

Choosing a neighborhood is about more than location, location, location. These 5 considerations can help you buy a home that is a good fit, will serve you well and will be a good investment for your future.

 Looking to Buy a Home? Let's Get Started

Looking to Buy a Home? Let's Get Started

Is your goal to buy a home? Here's one of the first things you need to do: Figure out how much you can afford. It's quick and easy with our online calculators.

Mortgage Rates: Still the Deal of the Century

Mortgage Rates: Still the Deal of the Century

If you are in the market to buy a home, today's average mortgage rates are something to celebrate compared to almost any year since 1971.

Did You Know?

Did You Know?

If you're in the market to buy a home, it's good to be in-the-know. We're here to share some fun and interesting housing-related facts to keep you sharp and entertained.

The 4 Cs You Need for a Home Mortgage

The 4 Cs You Need for a Home Mortgage

What do mortgage lenders look for in a borrower? Do you have what it takes to qualify?

4 Tips for Nipping Closing Day Jitters

4 Tips for Nipping Closing Day Jitters

Follow these four tips to help you nip those closing day jitters.

No Foolin'

No Foolin'

We're not the only ones who believe that a 3% down mortgage product will help boost sales this spring homebuying season.

3% Down Checklist

3% Down Checklist

Our checklist can help determine if our new 3% down mortgage is right for you.

Spring Homebuying Kicks Off Best Year for Homes Sales in Seven Years

Spring Homebuying Kicks Off Best Year for Homes Sales in Seven Years

In the March edition of RealtyTrac's HousingNewsReport, Freddie Mac Deputy Chief Economist Len Kiefer outlines the top three reasons why he's optimistic about this year's spring homebuying season and 2015 home sales.

Help for Borrowers Struggling to Make Higher HAMP Payments

Help for Borrowers Struggling to Make Higher HAMP Payments

If you're struggling to make a higher mortgage payment because of an interest rate reset on your HAMP modification, help is now available.

Homes from Seattle to Miami: Start Your Search Here

Homes from Seattle to Miami: Start Your Search Here

Are you looking for a 2 bed, 2 bath home in Seattle? Or perhaps you have your sights set on a 2 bed, 2 bath condo in Miami. HomeSteps® has homes just like these and more across the country – one of them may be the home you've been dreaming of.

America's Sweethearts - The Top 10

America's Sweethearts - The Top 10

To usher in the 2015 home buying season, a recent survey reveals America's most desired, or 'hottest,' neighborhoods. Did your neighborhood make the list?

Life, The Unexpected and Mortgage Applications

Life, The Unexpected and Mortgage Applications

After submitting your mortgage applications, tell lenders about job changes, new debts and other life events to avoid costly delays and disappointments .

From ARMs to PMI, 10 Terms You Should Know

From ARMs to PMI, 10 Terms You Should Know

In just a short time, you'll notice For Sale signs sprinkled throughout your neighborhood. If you're a first-time homebuyer, ask yourself: Am I ready to talk the housing market talk? Your words are important and we're here to help you talk wisely.

5 Tips for First-time Homebuyers

5 Tips for First-time Homebuyers

Buying a home is an exciting experience, but it can also be overwhelming if you don't understand the entire mortgage process. Check out these five tips from Bankrate.com to make it easier.

Spring Forward to Buying a Home

Spring Forward to Buying a Home

The crocuses will be poking up soon, and, with the change in weather, the housing market, too, will be warming up. Our new blog series on the Spring Homebuying Season starts this week – to help you get ready to buy a home.

5 Tips for First-time Homebuyers

5 Tips for First-time Homebuyers

Buying a home is an exciting experience, but it can also be overwhelming if you don't understand the entire mortgage process. Check out these five tips from Bankrate.com to make it easier.

Looking for Happiness?  Try These Towns.

Looking for Happiness? Try These Towns.

Happiness can't be bought, but it can be found. Where? For starters: Sea Ranch, CA; Cedar Rapids, IA; and Kansas City, MO. If you're looking to buy a home and be near happy people everywhere, check out these ZIP codes.

4 Tips to Finding a House You Love

4 Tips to Finding a House You Love

Buying a home can be an emotional experience. It's a big investment, and you want to be happy with your home. If you're ready to buy, here are a few tips — along with pitfalls to avoid. Let's start with 'Don’t fall in love with a house you can't afford'.

3 Ways Your Tax Refund Can Bring You Closer to Homeownership

3 Ways Your Tax Refund Can Bring You Closer to Homeownership

Over the course of the next few months, nearly 8 out of 10 tax filers will get a refund. Here are three ways yours could bring you closer to making your dream of homeownership a reality.

Double-Digit Rates? 1 in 3 Consumers Would Still Prefer to Buy

Double-Digit Rates? 1 in 3 Consumers Would Still Prefer to Buy

A new poll finds that many consumers view buying a home as a better investment than renting, even if mortgage rates were to climb.

How Many First Responders Own Homes?

How Many First Responders Own Homes?

Most firefighters, police and paramedics are homeowners, says a new Freddie Mac analysis of data from the U.S. Census and Bureau of Labor Statistics.

Location, Location, Location... And Your Commute

Location, Location, Location... And Your Commute

The 'location, location, location' mantra is important for many reasons — including your commute. Where you decide to live can mean the difference between commuting 15 or 90 minutes each way. Before you buy, do your homework and test the drive, not just once but twice.

Are You Making Home Improvements? You're Not Alone

Are You Making Home Improvements? You're Not Alone

Home improvements and repairs – a $300 billion industry – are back on the rise and now generate about 1.8% of U.S. economic activity. A new report shows the U.S. home improvement industry is faring much better than the broader housing market. So who are our big spenders, and where do they live?

Punxsutawney Phil's Prediction

Punxsutawney Phil's Prediction

Today is Groundhog Day. And in a time honored tradition, all eyes were on Punxsutawney Phil. Is spring coming early or is it still 6 weeks away?

The Urban Flock

The Urban Flock

Remember when families flocked to the suburbs to trade the 'congestion and pollution' of city life for tree-lined streets and manicured lawns? We do, too, but today's market is eyeing the urban core.

Boomerang Buyers Are Bouncing Back

Boomerang Buyers Are Bouncing Back

Boomerang buyers, those who lost their home during the crisis, are back in the market. In a new report from RealtyTrac, 7.3 million of them will return to the market over the next eight years, peaking at 1.3 million in 2018.

The Lowdown on Mortgage Rates, ARMs:  New Surveys

The Lowdown on Mortgage Rates, ARMs: New Surveys

Mortgage rates are hovering near all-time lows - averaging 3.63% for a 30-year fixed. As for ARMs? With rates so low on fixed-rate loans, ARMs are less popular. But more lenders are offering ARMs, and for certain consumers, an adjustable rate product may still make sense.

10 Weeks & 10 Homes

10 Weeks & 10 Homes

Did You Know? The typical homebuyer searches for 10 weeks and looks at 10 homes before buying.

Baby Boomers & Their Mortgage Debt

Baby Boomers & Their Mortgage Debt

Did You Know? Baby Boomers are carrying much more mortgage debt than earlier generations at this stage in life. The amount Boomers (age 50-69) have left on their mortgage has grown 142% since 1992.

Best Bang for the Condo Buck

Best Bang for the Condo Buck

In today's purchase market, condos could be the answer for many first-time homebuyers and those with lower and/or limited incomes. See where you get the best bang for your buck.

4 Resolutions for Prospective Homebuyers

4 Resolutions for Prospective Homebuyers

Look online and you'll find that the most popular New Year's resolutions are to lose weight, get organized and spend less/save more. If you're thinking of buying a home in 2015, we hope you'll add the following 4 resolutions to your list...

3% Down: More Questions Answered

3% Down: More Questions Answered

Since lenders will soon begin taking applications, today we're answering more questions about our new 3% down mortgage - Home Possible Advantage.

In Good Faith

In Good Faith

Closing costs average about $2,539 – so it's important to understand what your costs will be before you commit to the loan. That's where the Good Faith Estimate comes in.

Best of 2014

Best of 2014

The list is made, we've checked it twice. This year's top blog posts have more than sufficed. The proof was there in the numbers, driven by links, Tweets and thousands of clicks. Here's a recap in case you missed them preparing for ole St. Nick.

2014 Industry Projections - Did We Get it Right?

2014 Industry Projections - Did We Get it Right?

It's that time of year when we take stock. So let's look back at 5 key housing predictions for 2014. Did projections hit the target? And what do we think will happen in the year ahead?

Home Satisfaction? What Americans Want from Their Housing

Home Satisfaction? What Americans Want from Their Housing

A new survey highlights the housing satisfaction gap: the top 10 things people want from their housing, but don't have.

Borrowing Power Increases in 46 U.S. Counties Next Year

Borrowing Power Increases in 46 U.S. Counties Next Year

Borrowers in high cost areas will be able to borrow more next year based on the Federal Housing Finance Agency's (FHFA) designation of high-cost areas for 2015.

Top 6 Remodeling Projects for the Buck

Top 6 Remodeling Projects for the Buck

The six remodels adding the most dollar value at resale are: fixing up the basement, adding a family room, an upscale kitchen remodel, adding a moderate master suite, building a two-story addition and adding an upscale master suite.

10 for 10

10 for 10

A new research paper examining the effect of payment reduction on default finds that a 10 percent payment reduction decreases expected defaults by 10 to 11 percent.

The $1.5 M Question: Rent vs. Buy?

The $1.5 M Question: Rent vs. Buy?

Mike and Jen can afford $1,400 per month on housing and have saved $10,000 for a down payment. But, they're left wondering which option – renting or buying – makes best financial sense. Lets find out.

Lower Interest Rates for Service Members

Lower Interest Rates for Service Members

A new White House program aims to increase mortgage benefits to service members. Participating banks and institutions will contact eligible military personnel to offer mortgage relief, including a six percent interest rate cap.

More Possible Home Possible

More Possible Home Possible

Next month, enhancements to Freddie Mac's Home Possible® Mortgages will make more homes possible for families nationwide.

Supersizing the American Dream

Supersizing the American Dream

Did you know that new homes today are 61% larger than in 1973? And, while the size of new homes has increased, the average household size has decreased, giving us even more living space.

How One Family Found Answers and Hope

How One Family Found Answers and Hope

Ryan and Linda felt discouraged. They didn't know where to turn for help in keeping their Phoenix-area home. Then a friend suggested contacting a housing counselor.

The Rising Generation of Hispanic Homebuyers

The Rising Generation of Hispanic Homebuyers

If you are wondering who tomorrow's homebuyers will be, look no further than the nation's fastest-growing population segment — Hispanics.

Your HAMP Modification Interest Rate May Reset This Year

Your HAMP Modification Interest Rate May Reset This Year

If you received a HAMP loan modification in 2009, the interest rate on your mortgage may have or will soon reset to a higher rate. Find out how much.

Homeowner Confidence at Four-Year High

Homeowner Confidence at Four-Year High

Did you know that some 65% of homeowners say they are confident they would get the asking price for their home if they put it on the market today? That's up from 40% in 2010.

What We Think About Homebuying: Survey Says...

What We Think About Homebuying: Survey Says...

A new survey shows 68% of Americans think it's a good time to buy a home – yet many have misconceptions about getting a mortgage or the downpayment required.

How Much Will You Bring to Closing?

How Much Will You Bring to Closing?

The average closing costs are $2,539, but they can vary widely depending on where you live. See where your state stacks up.

Why People Rent:  Survey Says...

Why People Rent: Survey Says...

Did you know in a recent survey more than 55% of people gave this reason why they'd rent instead of buy: not enough savings or too much debt. At the bottom of the list? Concern housing prices might fall.

Aging Population Faces Housing Shortage

Aging Population Faces Housing Shortage

The U.S. is unprepared to meet the housing needs of its aging population, concludes a new report by the Harvard Joint Center for Housing Studies and AARP Foundation.

529: It's not Just for College Savings

529: It's not Just for College Savings

529 is not just a college savings plan. It's also the amount of the reduction in your monthly mortgage payment had you completed a Home Affordable Mortgage Program (HAMP) loan modification over the last five years. Learn if HAMP is right for you.

Who's Who?

Who's Who?

The homebuying process: It's exciting, can be intimidating and there are a lot of people involved. The good news? All these people work hard to make your experience as smooth as possible, including several that will hold your hand throughout the process. Let us introduce you.

Taking Responsibility

Taking Responsibility

While shopping for your home is fun and exciting, it's important to remember the responsibilities and financial commitments you'll have as a homeowner. Saving for your down payment and signing on the dotted line are simply the first steps to homeownership.

What Homeowners Will Do to Sell Their Homes

What Homeowners Will Do to Sell Their Homes

Beyond lowering the price, 71% of homeowners are willing to make additional concessions to sell their home in today's market – whether it's including appliances, their furniture or paying for a buyer's closing costs.

Are Americans Paying More or Less for Housing?

Are Americans Paying More or Less for Housing?

Did you know that in some states like Maine 3.3% more of its homeowners were spending more than 30% of their income on housing in 2012 than they were in 2005? In California, the opposite occurred. Looking at renters, we see an almost unilateral increase in their cost burden during the same time period.

Five Generations in Housing

Five Generations in Housing

Did you know that 76% of first-time homebuyers are Gen Y? And that only 55% of The Silent Generation finances their home purchase? No matter our age, we all play an important role in today's housing market.

Dissecting High, Medium and Low Homeownership Rates

Dissecting High, Medium and Low Homeownership Rates

Did you know homeownership rates are very high (80 percent or more) in former Eastern Bloc nations like Romania (97 percent), Slovakia (90 percent), and Bulgaria (87 percent) because a wave of mass privatization following the fall of Communism in the 1990s enabled families living in public housing to take title to their flats at little or no cost?

Millennials Hold on Homeownership

Millennials Hold on Homeownership

Did you know that the homeownership rate for young Americans under 35 is at its lowest ever? The rate is down to 36 percent for Millennials, our largest generation making up 25 percent of the U.S. population.

Renovation Projects with the Best ROI

Renovation Projects with the Best ROI

Did you know fixing up your home's exterior will give you the biggest bang for your buck when renovating?

Where Inventory is Better

Where Inventory is Better

Did you know that Florida metros boast some of the best opportunities to buy a home based on inventory? Based on the number of homes for sale per household, Miami-Ft. Lauderdale-Pompano Beach and Tampa-St. Petersburg-Clearwater top the list in inventory across the nation's major metropolitan areas.

Home Improvement Shows 'Bring the House Down'

Home Improvement Shows 'Bring the House Down'

Did you know that nearly 40 percent of people planning home improvements this year were motivated by popular DIY and design TV shows, like This Old House?

Price Per Square: A Global Perspective

Price Per Square: A Global Perspective

Did you know that housing in major U.S. cities is relatively inexpensive compared to other cities around the world?

All in the Family

All in the Family

Did you know that 14 percent of recent homebuyers purchased a home to accommodate growing households as their adult children, siblings or aging parents move in?

Hot or Not?

Hot or Not?

Whether you live in a hot or cold real estate market could be the best determinant for setting your home's listing price. New research shows that the largest driver for the optimal initial listing strategy is the health of the local market, not the underlying value of the home.