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Executive Perspectives Blog

This week, Freddie Mac reported its fourth quarter and full-year 2013 financial results. Net income totaled $48.7 billion and comprehensive income was at $51.6 billion – both records for the company. The quarter was also a record for pre-tax income at $8.6 billion and marked our ninth consecutive quarter of positive earnings. However, it's important to note that our results included several legacy items that were strongly favorable in 2013, such as legal settlements, but it is our expectation that such items will be considerably smaller in 2014.

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Without lender and investor trust in the quality of mortgage data and underwriting, credit for buying homes or refinancing existing loans would probably dry up. Today the mortgage industry faces the challenge of increasing the speed, transparency, and consistency of efforts aimed at improving mortgage quality and striving to keep it at that higher level across the entire housing cycle.

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Most people will move about 12 times in their lifetime. That might sound like a lot, but throughout their lives, individuals fluctuate between renting a house or apartment, and owning a home. And Freddie Mac is there, providing funding and educational resources throughout their housing lifecycle.

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In this installment of “Dispelling the Myths,” we’re focusing on short sales – when a property is sold for less than the balance remaining on the mortgage loan. The short sale is an important tool for helping distressed homeowners avoid foreclosure and eliminate their mortgage debt. And thanks to key changes we’ve made in the program, Freddie Mac short sales today are taking less time to process on average than ever before. But for a lot of borrowers, short sales remain a mystery. Here are eight common misconceptions about short sales – and the facts every distressed homeowner should know.

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Thanks to tips from the public and our employees, Freddie Mac launches more mortgage fraud investigations, solves more fraud cases, and protects borrowers by stopping offenders from doing future harm. Like the detectives on TV crime shows, our fraud investigators turn tips into a steady sequence of events that include tracking down leads, interviewing victims, gathering evidence, and working with law enforcement to nab the right suspects. But real-world fraud investigations take much longer than a TV episode. The sooner we receive a good tip, the faster we can “stop the bleeding,” as investigators say.

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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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