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Executive Perspectives Blog

Two hundred forty-nine.

That's the number of unique data points necessary for the Uniform Closing Dataset (UCD), a common collection of data that lenders will be required to deliver in a digital file with each mortgage loan they sell to us starting on Sept. 25. Known as the UCD mandate, this requirement is part of the Uniform Mortgage Data Program® (UMDP®), an industry-wide drive to build a better housing finance system in the U.S.

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Happy New Year! As we welcome in 2017, it’s a good time to take stock and start fresh. Most people hit the gym, put the brakes on spending and declutter. If your resolution is to move to a new place this new year, answering these key questions can help put you in the right home:

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2016 was a very good year. Freddie Mac Multifamily is on track to purchase approximately $55 billion and securitize over $50 billion in loans – both new records. Barring any surprises, we believe the multifamly industry – and our business -- can grow another five to ten percent next year.

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The second half of the 20th century brought with it remarkable growth in homeownership. For the first four decades of the century, homeownership rates were relatively stable and remained below 50 percent, dropping as low as 44 percent in 1940. Following World War II, the rate of homeownership surged, propelled by the GI Bill, the institutionalization of the 30-year fixed-rate mortgage, and the creation of FHA, VA, and the GSEs.

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Fraud continues to threaten homebuyers, renters and the mortgage industry. The latest report from CoreLogic, a real estate information company, says fraud is on an upward trajectory and estimates that some 13,000 mortgage applications made during the second quarter had indications of fraud.

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Our Executive Perspectives feature insights from company leaders on key trends in housing finance and how Freddie Mac is supporting the nation's housing recovery.

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