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Executive Perspectives Blog

Today, the homeownership rate is less than 63 percent, the lowest rate in half a century. It has been declining for over a decade and experts are projecting it will continue to keep falling—perhaps even below 60 percent.

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The 21st century has been hard on utility bills. Average water rate hikes surged annually at twice the inflation rate between 2000 and 2012. Lower-income renters were spending 15-to-21 percent of their incomes on energy by 2011, says the Joint Center for Housing Studies. And this was before 2013, when severe droughts, winters and scorching summer heatwaves began rolling regularly across the country.

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Improving home energy and water efficiency is a meaningful way to help tackle two of today's most pressing concerns: housing affordability and society's impacts on the environment. But financing these improvements can be a challenge. Freddie Mac helps make it easier. And we're working to do even more.

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The good news for today's homebuyers is that we've gone back to a more traditional market, after being dominated by investors and cash sales for several years. Nearly 68 percent of homes sales are to individual buyers today, compared to 53 percent in 2011 when investor/cash sales reached their peak.

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Before this year ends, a new chapter in the way capital supports homeownership in this country will begin. If all goes as planned, Freddie Mac will be the first company to issue fixed-rate mortgage-backed securities through the Common Securitization Platform (CSP). We also plan to move all existing fixed-rate Freddie Mac Participation Certificates (PCs) to the CSP, which will support their administration as well as new issuances.

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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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