Insights, Notes & Briefs
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Research Note | June 22, 2022
In Pursuit of Affordable Housing: The Migration of Homebuyers within the U.S.—Before and After the Pandemic
In this Research Note, the first of a three-part series on migration, we compare net migration of homebuyers across U.S. metropolitan areas ("internal migration") and explore the patterns of metro-to-metro migration flows. More
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Research Note | June 9, 2022
What Drove Home Price Growth and Can it Continue?
Home prices, the best single indicator of whether market conditions favor buyers or sellers, jumped 33% nationally over the past two years. What is behind the strength of the housing market, and can it continue? More
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Research Note | May 10, 2022
Racial & Ethnic Valuation Gaps in Home Purchase Appraisals - A Modeling Approach
This Research Note builds on our previous Note published in September 2021 to report on a refined and expanded modeling approach that Freddie Mac adopted in the racial valuation gap context. Our first Note analyzed tract averages as little research existed on this important topic and we wanted to spark a discussion and receive feedback on our approach leading to subsequent work. This Note reflects much of the feedback we have received. More
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Research Brief | May 6, 2022
Homebuyers in Coastal Florida Are Not Factoring Sea Level Rise Risk into Home Prices
Our analysis showed that home prices in coastal Florida may not be taking into account the future risk of rising sea levels. More
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Research Note | April 25, 2022
Trends in Mortgage Refinancing Activity
This Research Note covers recent developments in the U.S. mortgage market. We review trends in mortgage refinancing activity, including a detailed look at payment savings and equity extraction through cash-out refinances. We also examine recent trends in mortgage origination discount points and fees and close with a discussion of heterogeneity in the mortgage market. More
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Research Note | March 16, 2022
Sea Level Rise and Impact on Home Prices in Coastal Florida
In this Research Note, we assess whether primary homebuyers and residential market investors in coastal Florida consider the future risk of rising sea levels when making a home purchase decision and whether they pay less for homes they deem at risk. More