Perspectives

Insights into the topics and trends that are transforming the housing industry

A Year of Milestones and Innovations in Credit Risk Transfer

For Single-Family Credit Risk Transfer, 2018 marked a year of milestones and continued innovation.

Gina Healy and Mike Reynolds
Gina Healy
Vice President, Credit Risk Transfer
Mike Reynolds
Vice President, Credit Risk Transfer

Transcript: Freddie Mac CEO Donald H. Layton Discusses Full Year 2018 Financial Results

2018 was another excellent year for Freddie Mac. Ten years after the financial crisis, our transformed business model continues to produce solid earnings.

Donald H. Layton
Donald H. Layton
CEO

Home Sales, Home Prices, and Mortgage Rates: Up or Down in 2019

Over the past year, the unemployment rate dropped, mortgage rates rose, home sales declined and home prices increased in most areas of the country. What will 2019 bring?

Sam Khater
Sam Khater
Vice President and Chief Economist, Economic &Housing Research

Bright Lights in Nashville Point to Multifamily's Future

Last month, Freddie Mac Multifamily and our partners in the industry made our way to Nashville for the 2018 Freddie Mac Multifamily annual conference in Tennessee.

Deborah Jenkins
Deborah Jenkins
EVP Head of Multifamily Business

Transcript: Freddie Mac CEO Donald H. Layton Discusses Third Quarter Financial Results

Freddie Mac is performing exceptionally well. Our company's financial performance is very strong and we're fully supporting our mission of creating liquidity, stability and affordability.

Donald H. Layton
Donald H. Layton
CEO

A New Solution to an Old Problem: Making it Easier for the Self-Employed to Get a Mortgage

Amid the backdrop of rising interest rates and declining origination volume, lenders need a leg up to cast a wider net for borrowers, including the self-employed.

Sam Oliver
Sam Oliver
VP Loan Advisor Suite℠

Persistent Problems Require an Innovative Approach

Innovation is often born out of challenge. In fact, many of the most famous innovations in our history were in response to a challenge.

David Leopold and Kelli Carhart
David Leopold
VP Multifamily Affordable Housing Production
Kelli Carhart
Vice President, Production & Sales

Testimony Before the House Financial Services Committee

The mortgage system we have today is fundamentally better than the one we had ten years ago, plain and simple. It is more safe-and-sound, more efficient and does a far better job of protecting taxpayers.

Donald H. Layton
Donald H. Layton
CEO

Transcript: Freddie Mac CEO Donald H. Layton Discusses Second Quarter Financial Results

Freddie Mac's transformation continued in the second quarter, with good business results and strong financial performance, providing the foundation to effectively deliver upon our mission and improve America's housing finance system.

Donald H. Layton
Donald H. Layton
CEO

Homeownership: A Considerable Achievement Currently Facing Hurdles

We can all remember the great sense of accomplishment felt after achieving a personal goal. For many people, that rush of joy and emotion was felt when they bought a home for the first time.

Sam Khater
Sam Khater
Vice President and Chief Economist, Economic &Housing Research

How AI for AI Will Change the Industry

When it comes to big data and how companies use it in their internal operations, one phrase comes to mind: "vocational irony."

Loretta Ibanez
Loretta Ibanez
Mortgage Innovation Director Single-Family Strategic Delivery

Who Is Tomorrow's Borrower? What We're Learning Might Surprise You

We're working on ways to provide lenders with a better understanding of future borrowers' hopes and fears, characteristics and challenges as they relate to homeownership.

Christina Boyle
Christina Boyle
SVP Single-Family Chief Client Officer