Privacy Policy

Freddie Mac is a government-sponsored enterprise chartered by the United States Congress to provide a continuous flow of funds for residential mortgages in the U.S. We achieve our public purpose by purchasing, securitizing, and investing in home mortgages in the U.S., in effect acting as a conduit between the U.S. residential mortgage market and the investment community. We may receive personal information about you in the ordinary course of carrying out our business. We are committed to protecting the privacy of this information.

This Privacy Policy (this "Policy") describes the types of personally identifiable information we receive and maintain in the ordinary course of business and what we do with that information. This Policy also describes how we safeguard that information. Freddie Mac may provide links to third-party websites that have different privacy and security practices. This Policy does not apply to information that may be collected by or that you may provide to third parties through websites that link to or from this website.

Our website is not directed to individuals under the age of 13. We do not knowingly collect any information from children under the age of 13. If we become aware that information is or has been submitted by or collected from a child under the age of 13, we will delete that information.

By your use of this website, you agree to the terms and conditions set forth in this Policy.

Personally Identifiable Information We Receive and Maintain in the Ordinary Course of Our Business

As used in this Policy, the term "personally identifiable information" means financial and other personal information about an individual.  "Personally identifiable information" includes income information, debt payment histories, social security numbers, credit reports, and other information provided by consumer reporting agencies, mortgage lenders, dealers and other participants in the secondary mortgage market.  "Personally identifiable information" does not include information that has been "de-identified" so that it no longer can reasonably be identified with a particular individual. 

Circumstances under which we receive personally identifiable information include the following:

  • We receive personally identifiable information about borrowers, loan applicants and other individuals in the ordinary course of our secondary market business.  We receive this information in several circumstances, including when evaluating whether to purchase a loan, when consummating the purchase of a loan, when reviewing information about loans in which we already have an interest for quality control and other purposes, and when evaluating, engaging in or otherwise dealing with various debt and securities-related transactions. 
  • We receive personally identifiable information from brokers and third party originator principals and directors who register for our proprietary services, such as Loan Product Advisor and the Loan Advisor Suite, and from individuals seeking information from the Home Steps program.
  • We receive personally identifiable information from individuals interested in pursuing employment with Freddie Mac.
  • We receive personally identifiable information from individuals seeking to do business with Freddie Mac.
  • We receive personally identifiable information from borrowers and other individuals who contact us and provide us with information, including information we receive through this website and from voluntary surveys offered on this website.

Information We Collect Through This Website

When you visit this website, we collect and store the following information ("Website Visitor Information"): the name of the domain and host from which you access the Internet, such as aol.com; the Internet protocol address of the host server you are using, such as ww3.aol.com; the name and version of your Web browser, such as Internet Explorer; the date and time you access this website; and if you came to us through a link from some other website, the Internet address of the website from which you linked to us.

Cookies: Some parts of this website may use a "cookie," which is a small file that is placed on your computer or other internet-connected device. The cookie used for this website captures your internet protocol address, but no other personally identifiable information. This website may use a cookie in order to log which pages you visit on the website or to provide certain features during your visit to the website. You can set your browser to refuse to accept cookies; however, some features of the website may not function properly if you do this.

Third Party Analytics: We use third-party web analytics services to evaluate use of this website and to improve its functionality. These services may use cookies, web server logs and web beacons to provide us with analysis of how visitors access and use this website.

Calculators: If you enter information into a financing or affordability calculator offered on this website (such as income, the down payment you want to make, the length of a loan you want or the price of a home you have in mind), that information is not seen or received by Freddie Mac. Your computer performs the calculator's functions and the results are displayed in your browser.

Do Not Track: We track the activity on this website of visitors to this website, but we do not track them when they cross to third-party websites. We do not use tracking to provide targeted advertising, and therefore this website does not respond to Do Not Track signals sent by your browser.

What We Do With Personally Identifiable Information

  • We comply with applicable laws and regulations in our use and disclosure of personally identifiable information.
  • We do not sell or disclose personally identifiable information to consumer marketing companies.
  • We use and disclose personally identifiable information in connection with our secondary market-related activities and for other legally permissible purposes related to our business.  For example, we use personally identifiable information to evaluate loans in which we are considering acquiring an interest and to monitor the performance of loans that we own. As another example, we use this information to evaluate property values and predict default.
  • We provide personally identifiable information to third parties as a necessary part of our secondary market-related activities and other aspects of our business, including to loan servicers, consumer reporting agencies, workout companies, attorneys, and technology providers who enable us or third parties to perform business, professional, and technical support functions for us or you. For example, we may disclose personally identifiable information to third parties to administer or protect our interest in a loan.
  • We use personally identifiable information for purposes of research and modeling related to our business, our public purpose, and this website. We may publish the results of our research but we will not publish personally identifiable information about you in connection with the research.
  • We use personally identifiable information to establish relationships with brokers,  third party originator direct principals and officers, and other entities with whom we engage in business.
  • We may disclose personally identifiable information related to your use of this website to third parties who assist us with this website. This may include information you provide as part of voluntary surveys about website-related issues taken after visiting this site.
  • We may disclose personally identifiable information to our regulators, our conservator, and as otherwise required by applicable laws and regulations.
  • We may disclose personally identifiable information about individuals who apply for employment with Freddie Mac in connection with their employment application, their employment with Freddie Mac (if applicable), and our employment processes more generally.
  • If you send us an email or message and provide your name or other personally identifiable information, we may use this information to research your question, to send an answer to your question and to deliver the requested information or service to you. We also may use this information to provide you with information in which we believe you will be interested; however, at any time, you may request that we stop doing this by contacting us in the manner described in the "How to Reach Us" section of this Policy.
  • We use Website Visitor Information for general statistical modeling, to measure the number of visitors to different pages on the website, and to evaluate, modify and enhance the website and our business as we consider appropriate. We also use this information to monitor network traffic and to identify unauthorized access or unusual activity on the website. We may also use Website Visitor Information to help improve visitors' overall experience.

How We Safeguard Personally Identifiable Information

We use administrative, technical and physical safeguards to protect the security and confidentiality of personally identifiable information that we receive, including computer files and documents that contain the information. Our standards are designed to:

  • Protect the security and confidentiality of the information;
  • Protect against anticipated threats or hazards to the security or integrity of the information; and
  • Protect against unauthorized access to or use of the information that could result in substantial harm or inconvenience to an individual, such as a borrower, consumer, or employee.

We restrict access to personally identifiable information to those who need to know the information for our business purposes. We destroy, erase, or make unreadable such information prior to disposal as required by applicable law. Our policies and our agreements with third parties require appropriate security and confidentiality standards to protect the confidentiality of personally identifiable information (including Website Visitor Information) and prohibit its unlawful disclosure.

We strive to maintain a high standard of security and privacy. However, no information can be guaranteed to be completely secure, and we make no such warranty or guarantee. In addition, we do not commit to protecting publicly available, non-confidential or de-identified information except as may be required by applicable law or regulation, notwithstanding anything to the contrary elsewhere in this Policy.

Special Statement Regarding the "Does Freddie Mac Own Your Mortgage?" Web Form and Self–Service Tool

In connection with the federal Making Home Affordable program, Freddie Mac provides a web form and related self-service tool on Freddiemac.com that enables individual borrowers to determine whether or not Freddie Mac owns their mortgage (the "Look-up Tool"). In order for Freddie Mac to be able to respond to those inquiries, individuals are asked to provide information that includes the last four digits of their Social Security Number, first name, last name, property-related information and contact information.

Freddie Mac uses and discloses the information collected via the Look-up Tool (excluding last four digits of your Social Security Number) only (i) to respond to the individual's inquiry, (ii) to provide services and fulfill Freddie Mac's obligations under the federal Making Home Affordable program and similar programs, and (iii) in connection with other loss mitigation activities.  All information that you enter into the Look-up Tool is transmitted from the Look-up Tool to Freddie Mac via an encrypted communication channel.

We do not store, use or disclose the last four digits of your Social Security Number collected via the Look-up Tool for any purpose other than to respond to the inquiry.

Data Storage and Retention

Your personally identifiable information is stored by Freddie Mac on its servers or on servers of third-parties that Freddie Mac engages. We retain personally identifiable information that we collect or receive for as long as we need to use it in connection with our business and may retain it thereafter as determined in accordance with our corporate records retention program.  We continue to treat personally identifiable information that we retain in accordance with the requirements of applicable laws and regulations.

Data Subject Rights under the European Union’s General Data Protection Regulation

The European Union’s General Data Protection Regulation (the "GDPR"), as well as the privacy laws of other countries, provide certain rights for natural persons who are considered data subjects under such regulation or laws ("data subjects"). This Policy is intended to provide data subjects with information about personal data (as defined in the GDPR, "personal data") that we collect and how that data is processed. If you have any questions, please contact us using the contact information in the section below regarding How to Reach Us. In accordance with your rights as a data subject, you may request information about how we collect, use, share, store and retain your personal data. Among other rights as a data subject, you may obtain rectification of errors in the record of your personal data, or you may request erasure of your personal data, subject to our right to continue to process your personal data as necessary for the performance of a contract to which you are party (for example, a loan agreement, guarantee, deed of trust, or mortgage).

Changes and Updates to This Policy

We reserve the right to change this Policy in the future. The amended version of this Policy will be posted on this website. When this Policy is updated, the date 'Last Reviewed or Updated' will appear at the bottom of this Policy.

How to Reach Us

If you have a question about the way your information is used or about our information practices, you may contact us at the following address:

Freddie Mac
Chief Privacy Officer
8200 Jones Branch Drive
McLean, Virginia 22102-3110

Or please contact us by sending an email to: privacy_mailbox@freddiemac.com.

Last Reviewed or Updated: May 25, 2018