Keyword: Single-Family

An Employment Leg Up with NextJob Partnership

A new Freddie Mac partnership with NextJob will provide job search assistance to current and aspiring homeowners living in designated underserved markets.

Credit Risk Transfer:  Trillion Milestone

Credit Risk Transfer: $1 Trillion Milestone

Credit risk transfer is changing the way the U.S. residential housing market is funded – and we're leading the way.

But Wait, There's More

In addition to principal and interest, your monthly mortgage payment may also include an escrow payment and private mortgage insurance payment. So, what are these extra payments?

Will Millennials Move Out?

What happens the newly crowned largest generation decides to start buying homes...and what happens if they don't?

How Will Rising Rates Affect Your Bottom Line

With the heightened talk about rising interest rates, many prospective homebuyers are understandably concerned about whether now is the right time to purchase a home.

When Mortgage Rates Weren't Groovy

The most dramatic increase in mortgage rates came during the late 1970s. What would happen if rates rise like that again?

Who Do I Call If Disaster Forbearance Is Ending?

Were your monthly mortgage payments suspended temporarily because you were affected by a recent natural disaster? Wondering what happens when this "forbearance period" ends?

How Much Will You Bring to the Closing Table?

Before you get the keys to the home that you're buying, you'll go through the closing process, which includes paying certain fees. How much money are we talking about?

One Easy System for Improving Your Credit? Yes!

Looking for an easy, convenient way to better manage your finances, improve your credit, save money, and work toward buying a home? Check out this new Freddie Mac program.

Use Your Assets

Did you know you can use your financial assets to qualify for a conforming, conventional mortgage?

Could a Manufactured Home Be Right for You?

Manufactured homes have improved a lot over time, and are an important source of housing across the country. In Kentucky, a new program can help get you ready to buy one.

Can You Skip the Property Appraisal?

You might be able to skip the traditional property appraisal. Talk to your loan officer to see if you qualify.

Millennials Buy Homes for Their Best Friends

One–third of Millennials had their best friends at heart — dogs, that is — when deciding to buy their first homes, according to a recent survey.

Buying a Home is Still Affordable. Or is it?

Is buying a home affordable today? The answer is yes and no. It depends on a variety of factors, including where you live.

The Facts (and Myths) on Home Inspections

Because home inspections are such an important part of your homebuying journey, it's important to separate the facts from the myths.

An MVP Team Can Help You Score That Home

For something as important as buying a home, you need the right team of housing professionals working with you.

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.

Welcome to Your New Luxury (Manufactured) Home

For high–end finishes at bargain prices, check out today's crop of new manufactured homes.

Could You Chart a Similar Path to Buying a Home?

Meet Layanna, a single mom. Through her commitment and the support of her real estate agent, loan officer, and community, she's a brand–new homeowner.

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

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

Meet the Team: Real Estate Agent

You're going to be spending a lot of time with your agent so it's important to find someone who gets you.

Get the Real Scoop on Down Payments

Believe that you need to make a down payment of at least 20% to buy a home? You have lots of company. Putting down that much money upfront certainly has benefits, but it's not required.

Diversity at Work: When Collaboration Fuels Success

Freddie Mac's Loan Advisor Suite benefits from different perspectives.

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.

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

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.

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?

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

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.

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?

3 Benefits of Credit Risk Transfer

Credit risk transfer is changing the way the U.S. residential housing market is funded. Learn about its 3 main benefits.

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.

This Tool Makes It Easier to Manage Your Money

If your resolution is to get into a new home this year, it's important to understand how to manage your money. In fact, this knowledge is valuable in any case.

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?

Borrowing Power to Increase Nationwide in 2017

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

Considering A Manufactured Home?

Forget what you think you know about manufactured homes. With prices averaging 1,300, they might just be the affordable housing option you're looking for.

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.

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 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.

Sales on Track Despite Limited Housing Stock & Rising House Prices

How are home sales looking now that we're more than half way through 2016?

Chris Boyle Wins HousingWire "Women of Influence" Kudos

Congratulations to Chris Boyle, Freddie Mac Single-Family SVP of Sales & Relationship Management, for being recognized among the housing industry's top "Women of Influence" by HousingWire.

Many Returns of the Day, USDA!

Congratulations to the U.S. Department of Agriculture (USDA) Rural Development on its Single-Family Housing Guaranteed Loan Program's 25th anniversary! Freddie Mac looks forward to working together even more closely over the next 25.

50 Billion And Going Strong

We're celebrating an important corporate milestone — the transfer of a significant amount of mortgage credit risk on 50 billion in unpaid principal balance of single-family and multifamily loans.

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!

Beware of Phishers Trying to Hook Your Closing Costs

Homebuying season can be open season for scams. Don't get caught.

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.

Chris Boyle Wins HousingWire "Women of Influence" Kudos

Congratulations to Chris Boyle, Freddie Mac Single-Family SVP of Sales & Relationship Management, for being recognized among the housing industry's top "Women of Influence" by HousingWire.

Freddie Mac Earns Three Mortgage-Backed Securities Awards

For the second consecutive year Freddie Mac's Structured Agency Credit Risk (STACR®) debt notes have been named RMBS Deal of the Year by Global Capital, a leading financial news and data service covering the capital markets. Freddie Mac also earned top honors for Best Overall Securitization Issuer and Best RMBS Issuer.

Down Payments: There's Help for That

"If only I could afford the down payment, I could buy that home." You might be able to do both. An acceptable down payment might be smaller than you think (hint: less than 20%). On top of that, you might be eligible for down payment assistance.

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.

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?

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.

Your Top 3 Down Payment Myths Debunked

Today we're debunking the top 3 down payment myths in time for spring homebuying.

How it Works: Credit Risk Transfer

Today's video will show you how credit risk transfer works.

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.

The Best Year in Home Sales Since 2007!

Expect home sales to carry this momentum forward in 2016.

Tips, Bits & Lists: It's a Wrap

Today we wrap up our 12 days of tips, bits & lists blog series with an overview of the financial obligations that come with homeownership.

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

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.

Serious Delinquency Rate at 7 Year Low

Freddie Mac's single-family serious delinquency rate declined to 1.36% in November 2015, reaching its lowest level since October 2008.

Tips, Bits & Lists: Day 7

Today in our tips, bits & lists blog series learn about the 7 factors that affect your mortgage interest rate.

More Homeowners Tap Equity

An estimated 2.2 billion in net home equity was cashed out during the refinance of conventional prime-credit home mortgages in the third quarter.

Building a Better Housing Finance System

A better housing finance system that's good for the industry, investors and America's taxpayers. This is how we're doing it.

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.

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

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

Home Inspections: What to Expect

Home inspections are so important because they give you the opportunity to thoroughly inspect the home with a professional before you spend any of your hard-earned money to buy it. Here's what you can expect from yours.

Down Payments: What to Expect

If you're in the market to buy a home, your down payment is probably top of mind. Here's what you should expect.

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

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

Learn what to expect from your home buying team.

Freddie Mac's support for student housing

Student housing is a growing sector of the multifamily market.

Freddie Mac Announces Relief for Eligible Borrowers, Employers, Employees in South Carolina Disaster Areas

Borrowers whose home or place of business is in a disaster area, borrowers should immediately contact their mortgage servicer – the company to which they send their monthly mortgage payment.

August Home Sales

With summer now in the review mirror, how are home sales tracking so far this year?

Freddie Mac: First-Time Homebuyer Gains Hold Steady in 2015

According to the latest numbers, Freddie Mac financed affordable mortgages for nearly one million first-time homebuyers and over 4.5 million low- and moderate-income borrowers between 2009 and 2015.

Top 5 Concerns of Potential Homebuyers

What's the biggest concern about buying a home? Redfin posed that question to more than 3,500 households. Check out this year's top five and how they compare to last year's.

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.

The Best July for Home Sales Since 2006

How will home sales compare this year?

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.

Brass Tacks Facts: Test Your Knowledge

Test your knowledge of mortgage essentials.

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:

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.

Counseling Without the Couch: What a Housing Counselor Can Do for You

A housing counselor can be a great ally for a homebuyer – especially for someone navigating the process for the first time.

Down Payment Hurdles May Be Easier to Clear Than You Thought

Lack of funds for a down payment is the reason often given for not buying a home. Contrary to what some believe, the down payment doesn't need to be 20% or more of the purchase price. And for eligible homebuyers, financial help with the down payment is available.

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.

5 Tips to Help Recent Grads Build Credit

A good credit history matters a lot in reaching important goals in your life like buying a house or car, renting an apartment and to some degree even getting a job. Here are 5 tips to help recent grads build credit.

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?

Get Ready, Set Before Going to Shop for Your First Home

Buying your first home is a huge and often intimidating step. How to start? Read on for tips from the Independent Community Bankers of America.

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.

Curb Appeal (to Game of Thrones fans)

Missing Game of Thrones already? Well, we found something that might cheer you up – and believe it or not, it's actually related to housing.

5 Tips for a Better Credit Score

Your credit score influences a lender's decision to give you a single-family home mortgage loan – or not. These five tips can help you gain or maintain solid credit.

Spring Homebuying: Test Your Knowledge

We hope you enjoyed our series on spring homebuying. Take today's quiz to test your knowledge.

What Home Means

In honor of National Homeownership Month and our important mission to make home possible we asked, "What does home mean to you?" See what people from across the nation said.

5 Tips for House Hunting With Kids

Including your children in your home search can help them better adapt to change and ease anxiety. Here are 5 tips to help make your house hunt an enjoyable family task.

350,000 Mortgages: A Snapshot

See what type of mortgages Freddie Mac funded in the first quarter.

4 Ways to Bridge the Cash Gap

Need help with cash for down payments and closing costs? Here are 4 ways to close that gap.

Use Your Assets

Good news for retiring Baby Boomers and other savvy homebuyers who have limited incomes but substantial financial assets – these will help you to qualify for a low-rate mortgage.

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.

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 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.

Housing Stability Index Shows 60% of Top 100 U.S. Metro Markets Improving

MiMi now tracks the top 100 metro markets across the country.

The FYI on PMI

Confused about PMI? Here's the FYI.

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.

4 Tips for Former Homeowners Returning to the Market

Homeownership is becoming a possibility again for many families who lost their homes to foreclosure or short sale early in the Great Recession. For those who want to get back into the homeownership game, these four tips can help them prepare.

4 Tips for Nipping Closing Day Jitters

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

No Foolin'

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

April, Make or Break for Home Sales

Pending home sales trend bodes well for best home sales since 2007.

3% Down Checklist

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

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

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.

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.

The Dress, the WeaselPecker and Housing Data

See how home sales perform this spring with our new interactive housing tracker.

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.

87% of U.S. Homes Qualify for Down Payment Assistance

You could get down payment help for more than 68 million homes across the country.

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.

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.

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?

Serious Delinquency Rate at Six Year Low

Freddie Mac's single-family serious delinquency rate declined to 1.88% at December 31, 2014, reaching its lowest level since January 2009.

4 Tips for Buying a HomeSteps Home

HomeSteps homes are definitely worth a look if you're shopping for a home. Buying one is even easier with these 4 tips.

Nearly 50% of Homebuyers Aren't Shopping Around

A recent study by the Consumer Financial Protection Bureau and the Federal Housing Finance Agency found that almost half of U.S. homebuyers fail to shop around for mortgages.

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.

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

Closing costs average about ,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.

More Possible Home Possible

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

Mortgage Fraud: Most Active States & Schemes

The five most active states for mortgage fraud, and the most active schemes, according to Freddie Mac's fraud investigators.

Nearly 30% of Housing Metros Unaffordable

With the latest data, 47 of the 163 metros are now unaffordable. While that's only 29% of markets, these markets represent roughly 44% of households in our sample.

The Math Challenge: Whether to Rent or Buy?

Find out which is the better option when the monthly payment is the same.

How Do Mortgage Fraudsters Find Their Targets?

Borrower desperation simplifies the fraudsters' job to the point where all they have to do is advertise a promise and post a phone number or e-mail address.

HARP: It's the Real Deal

Today, we're swatting down one of the answers we hear most when we ask eligible borrowers why they haven't HARPed: They think it's a scam. Here's why it's not.

Help Around the Corner and Across the Country

Whether you're struggling with your mortgage or hoping to buy a home, Freddie Mac's Borrower Help Centers and Borrower Help Network offer you trustworthy, one-to-one help.

Down Payments and PMI: Get the Low Down

If you're in the market to buy a home, you've probably heard the rule of thumb that you shouldn't buy a home unless you can put down 20% to avoid paying Private Mortgage Insurance (PMI). Why is 20% the magic number and what is PMI?

5 Percent Down Payment? You Bet.

Did you know 40 percent of today's homebuyers using mortgage financing are making down payments that are less than 10 percent?

Use Your Assets

Did you know that you can use your financial assets to qualify for a conforming, conventional mortgage?

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?

Buying a Home? Get CreditSmart

There's a good reason why we dream of owning a home. And, there's also a good reason to prepare and become financially literate first. Why? Because educated borrowers are better prepared for successful, long-term homeownership and overall financial stability. Get smart through CreditSmart, our free financial education program.

Celebrate National Homeownership Month

Today kicks off National Homeownership Month and our month-long Did You Know? blog series featuring interesting and fun facts about housing.

The 4 Cs of Qualifying for a Mortgage

Thinking about buying a home but not sure whether you qualify for a mortgage? Here's what lenders look for in a borrower.

Taxes Are Not the Only Thing Due April 15th

Taxes are not the only thing due April 15th – it's also the deadline for homebuyers and real estate agents to take advantage of the HomeSteps Winter Sale Promotion.