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Industry Insights

Stay current on key affordable lending topics shared by the single-family leadership of Freddie Mac – from our Perspectives series.

 VP Kelly Steele, Single-Family Customer Care

When the Ecosystem Works as It Should

Spoiler alert: After a string of disappointments, a Houston-based teacher and single mom bought a home for herself and her two sons. This outcome shows what's possible when the housing industry and the community collaborate to benefit homebuyers.


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 VP Kelly Steele, Single-Family Customer Care

Tips for Combating Mortgage Fraud

Thanks to tighter credit standards and increased regulation, reports of mortgage fraud dropped to historic lows following the financial crisis. Today, though, the rate appears to be increasing and criminals are trying new methods to defraud consumers. It's important that industry participants stay vigilant so we can work together to prevent scams. And for homebuyers, it's crucial to guard against a new type of fraud called spoofing.


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 VP Kelly Steele, Single-Family Customer Care

Helping Deserving but Underserved Markets

As many as 12 million U.S. households devote more than 50 percent of their annual income to housing, according to the Department of Housing and Urban Development (HUD). As house prices and rents continue to rise, the demand for affordable and workforce housing increases as well. While the challenges are numerous and complex, Freddie Mac is committed to collaborating with the mortgage industry and other stakeholders to provide more affordable rental and homeownership opportunities.


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 VP Single-Family Affordable Lending and Access to Credit

6 Ways to Keep Business Blooming

We haven’t had a spring homebuying season like this in a decade.

On the plus side: The economy and wages are growing (slowly) and housing demand and construction are up. On the minus side: The mix of rising home prices, rising interest rates compared to last year, and low inventory has made homes less affordable. Those clouds might make it a bit harder for business to grow. But lenders and other housing professionals can take steps to cultivate their success.


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 VP Sean Becketti, Chief Economist

Why America’s Homebuyers & Communities Rely on the 30-Year Fixed-Rate Mortgage

Remember in 2013 when the 15-year fixed-rate mortgage was an unbelievable bargain at just over 2.5 percent, the lowest in recorded history and about three-quarters of a percentage point below a 30-year fixed-rate loan? So everyone buying a house was getting a 15-year loan, right?


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 VP Kelly Steele, Single-Family Customer Care

Harnessing the Power of Customer Experience

What makes a store or a restaurant someplace that you want to keep going back to, or not? Or one that you’d give a glowing review? Most likely, it’s the customer experience – how the people, company, products make you feel each time you encounter them and how consistently your expectations are met. This formula for success in the business-to-consumer (B2C) space is one that the business-to-business (B2B) world is looking to replicate.


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SVP and Head of Single-Family Strategic Delivery Andy Higginbotham

Preparing for the UCD Deadline: Tools and Tips

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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VP and Chief Economist Sean Becketti

Homeownership: Where We Are Now, Where We Are Headed

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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 VP Joan Ferenczy, Enterprise Fraud Risk

This is the Week to Learn About Mortgage Fraud

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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VP and Chief Economist Sean Becketti

The Homeownership Rate: Are Demographics Destiny?

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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VP Danny Gardner, Single-Family Affordable Lending and Access to Credit

Saving Your Resources and the Earth's

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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EVP, Single-Family Business Dave Lowman

Three Reasons Why Baby Boomer Homeowners are a Market to Watch

When you picture someone who is 55+, it's time to update your thinking because the second-largest generation in history is your next business opportunity. At 67 million strong, the influence of 55+ homeowners will be significant.

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VP and Chief Economist Sean Becketti

Are Baby Boomers the Key to the Single-Family Market?

One of the most important keys to today’s single-family housing market is homeowners who were born before the first-ever episode of Star Trek aired in the 1960s. Today, more than 50 years later, Baby Boomers and other homeowners over the age of 55 control almost two-thirds of the nation’s home equity – about $8 trillion. There are also more than 67 million of them.


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SVP and Head of Single-Family Strategic Delivery Andy Higginbotham and SVP and Head of Single-Family Sales and Relationship Management Christina Boyle

What Makes Freddie Mac Loan Advisor Suite Different?

Freddie Mac recently announced Loan Closing AdvisorSM, Loan Product Advisor® and Business Intelligence – new tools and functionality scheduled to go live this summer with Loan Advisor Suite. Loan Advisor Suite is Freddie Mac's smart, end-to-end technology solution designed with lenders to help lenders deliver high-quality loans and acquire earlier insight into representation and warranty relief during the loan production process. Freddie Mac SVPs Andy Higginbotham and Christina Boyle discuss the impact on lenders.


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VP Danny Gardner

Growing Sales to First-Time Homebuyers this Spring

Millennials and other new households should be camping out at open houses, if history is any guide. Mortgage rates are low, averaging four percent. Twice as many housing markets are growing or stable compared to this time last year. And, the nation's 86 million millennials, plus America's rapidly growing immigrant communities, are expected to produce about 1.2 million new households a year for the next ten years, according to statistics from the Harvard Joint Center for Housing Studies and the Collingwood Group.


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VP, Loan Advisor Suite<small><sup>SM</sup></small> Sam Oliver

Electronic Loan Documents Encourage Efficiency, Ease Anxiety

Ask consumers who've gone through the mortgage closing process in recent years what they found most frustrating about it, and their answers probably wouldn't surprise you.

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VP Danny Gardner

The Truth About Down Payments and Down Payment Assistance

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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