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Executive Perspectives Blog

A home helps to keep families stable and connected with each other and their communities. Finding an affordable place to rent that’s close to work is becoming increasingly difficult across the country. In no state can a full-time minimum wage worker afford market-rate rent for a one- or two-bedroom apartment.

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Lately the economy reminds me of a Volkswagen Beetle I borrowed when I was a college freshman. My girlfriend was stranded overnight in a bus station an hour away (long story), and I had to borrow a car to rescue her. The owner of the car warned me that not all the cylinders fired reliably, but this car was the best I could find under the circumstances.

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With interest rates low (though rising), more credit available to qualified borrowers, and employment up, it's a good time to buy a home if you are financially ready and able. But many potential homebuyers see the down payment as a hurdle too high to jump. It might be lower than they think, however, and they might be eligible for a financial boost.

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This month marks the 13th annual National Homeownership Month – a month aimed at bringing new buyers into the market by focusing the nation's attention on homeownership's benefits to families and communities and de-mystifying the homebuying process.

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We just wrapped up another MBA National Secondary Market Conference & Expo, which is always a great opportunity for the Freddie Mac team to meet face to face with our customers and colleagues throughout the housing finance industry. Email and telephone calls are fine, but nothing beats a personal meeting – and my team and I had a lot of them during our time in New York City.

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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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