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Danny Gardner
Single-FamilyMarch 7, 2023

Addressing the Homeownership Gap by Serving the Underserved

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Research BriefMarch 13, 2023

Renters and Homeowners with Disabilities Struggle with Financial Security and Housing Accessibility

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Insights, Notes & Briefs

  • Research Brief | March 2, 2023

    In Today’s Housing Market, Renters Have More Financial Incentive to Migrate to More Affordable Metros than Homeowners

    First-time homebuyers’ incentives to move from a high-cost metro to a more affordable area are significantly higher in a higher interest rate environment, but existing homeowners have more incentive to stay put. More

    Monthly Savings by Moving to the Top Affordable Metro Compared to Staying in the Same Metro
  • Research Brief | February 16, 2023

    When Rates Are Higher, Borrowers Who Shop Around Save More

    As mortgage rates remain higher than in recent years, homebuyers can potentially save $600-$1,200 annually by applying for mortgages from multiple lenders. More

    Standard deviation in mortgage rates since 2020
  • Research Note | December 7, 2022

    The Drivers of Financial Stress and Sustainable Homeownership

    This analysis explores the drivers of financial stress among first-time homebuyers. Identifying the factors leading to household financial stress is important to understanding what makes homeownership sustainable. More

    Exhibit 1: Means of select variables
  • Research Brief | November 21, 2022

    Do Rising Interest Rates Price Out Mortgage-Ready Borrowers?

    Mortgage rates have risen quickly in the past year, putting as many as 15 million mortgage-ready potential homebuyers on hold. More

    Number of mortgage-ready consumers who can potentially qualify for a mortgage based on interest rate
  • Research Note | November 9, 2022

    Migration to Environmentally Risky Areas: A Consequence of the Pandemic

    The pandemic amplified the exodus from large, expensive metro areas to smaller, more affordable destinations. Many such desirable destinations that are farther from the cities are not only less costly but are also closer to natural amenities. Natural amenities, however are often associated with environmental risks and moving closer to these amenities can also mean increased exposure to various natural hazards. More

    Inflows to high-risk areas from low and moderate-risk areas have doubled since the pandemic
  • Research Note | November 3, 2022

    Freddie Mac’s Newly Enhanced Mortgage Rate Survey Explained

    To ensure that Freddie Mac’s Primary Mortgage Market Survey® continues to provide high-quality information on the mortgage market, we are making new enhancements to our methodology. More

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Opinions, estimates, forecasts, and other views contained in this document are those of Freddie Mac’s economists and other researchers, do not necessarily represent the views of Freddie Mac or its management, and should not be construed as indicating Freddie Mac’s business prospects or expected results. Although the authors attempt to provide reliable, useful information, they do not guarantee that the information or other content in this document is accurate, current or suitable for any particular purpose. All content is subject to change without notice. All content is provided on an “as is” basis, with no warranties of any kind whatsoever. Information from this document may be used with proper attribution. Alteration of this document or its content is strictly prohibited. ©2023 by Freddie Mac.

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