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        Our Transformation

        A Better Freddie Mac, a Better Housing Finance System

        Our Transformation
        A Better Freddie Mac, a Better Housing Finance System

        Since 1970, we've made home possible
        80 million times.

        A Stronger Company

        Over the last year

        We provided
        $425 billion
        to the mortgage market

        We made home possible for
        2.25 million
        households

        We served
        900+
        lenders across the U.S.

        We’ve returned $119.7 billion to taxpayers, 67% more than we received from the U.S. Treasury.

        “In the second quarter, we continued our growing track record of strong returns and once again made home possible for hundreds of thousands of families across the country.”
        - David Brickman, CEO
        2009

        Assistance Programs for Struggling Homeowners

        February 2009 | Assistance Programs for Struggling Homeowners

        Freddie Mac launches the Making Home Affordable program to help borrowers struggling to make their mortgage payment get a loan modification and homeowners who owed more on their mortgage than their home was worth refinance. Through HAMP, HARP and other programs we’ve helped millions of homeowners stay in their homes.


        June 2009 | Multifamily Risk Transfer Program

        Freddie Mac Multifamily releases the first modern multifamily securitization, known as a K-Deal, which shifts a portion of the risk away from U.S. taxpayers to private investors.

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        Multifamily Risk Transfer Program

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        2010

        Borrower Help Centers

        January 2010 | Borrower Help Centers

        Freddie Mac establishes on-the-ground Borrower Help Centers and national phone network with trusted non-profit intermediaries to help homeowners with Freddie Mac-owned mortgages avoid foreclosure. Today, our 14 Borrower Help Centers also work to prepare prospective homebuyers for successful homeownership.

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        2012

        Return to Profitability

        September 2012 | Return to Profitability

        Freddie Mac’s return to profitability in third quarter of 2012 allows us to pay a $1.8 billion dividend to the U.S Treasury.

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        2013

        Single-Family Credit Risk Transfer Program

        July 2013 | Single-Family Credit Risk Transfer Program

        Freddie Mac launches its Single-Family Structured Agency Credit Risk (STACR?) securitization to transfer credit risk exposure from U.S. taxpayers to private investors. We later introduced additional credit risk transfer offerings, including the Agency Credit Insurance Structure (ACIS?), our insurance-based credit risk sharing vehicle.


        December 2013 | Total Payments to the U.S. Treasury Reaches Amount Borrowed

        Freddie Mac’s total payments to the U.S. Treasury reach nearly $72 billion borrowed.

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        Total Payments to the U.S. Treasury Reaches Amount Borrowed

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        2014

        First Non-Performing Loan Sale

        August 2014 | First Non-Performing Loan Sale

        Freddie Mac begins to actively reduce less liquid assets from its investment portfolio and completes first non-performing loan sale. We’re now considered an industry leader in innovative sales of non-performing and reperforming loans.


        October 2014 | Small Balance Loan Program

        Freddie Mac Multifamily launches innovative Small Balance Loan program to help small rental property owners and provide stability in the market. Since launching the program, we've financed over 350,000 rental units, helping preserve affordable housing nationwide.

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        Small Balance Loan Program

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        2015

        LAS Offers Digital Tools for Managing Single-Family Mortgages

        October 2015 | LAS Offers Digital Tools for Managing Single-Family Mortgages

        Freddie Mac Single-Family introduces Loan Advisor Suite? to give lenders simpler tools, better efficiency, easier navigation, and more reliability for delivering quality loans.


        December 2015 | Leading Multifamily Lender

        Freddie Mac became the nation’s top multifamily financier in 2015, a distinction it has retained for four consecutive years. In 2018, we financed a record-setting $78 billion in total production, besting our prior record of $73.2 billion set in 2017.

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        Leading Multifamily Lender

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        2016

        Single Security and Common Securitization Platform

        December 2016 | Single Security and Common Securitization Platform

        Freddie Mac begins using the Common Securitization Platform to perform bond administration activities for the majority of its Single-Family fixed-rate mortgage-backed securities. This important milestone paves the way for the go-live of the Single Security Initiative in June 2019, when Freddie Mac and Fannie Mae will begin issuing Uniform-Mortgage Backed Securities (UMBS), through a combined $4 trillion to-be-announced (TBA) market.

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        2017

        Single-Family Serious Delinquency Rate Dips Below 1%

        January 2017 | Single-Family Serious Delinquency Rate Dips Below 1%

        Freddie Mac's Single-Family serious delinquency rate —those homeowners more than 90 days past due or in foreclosure — dipped below 1% for the first time in nearly a decade.


        May 2017 | Innovative Appraisal Alternative

        Freddie Mac introduces its innovative automated collateral evaluation (ACE) that offers an automated appraisal alternative that can save borrowers an average of $500 on the cost of an appraisal and provides lenders more peace of mind when they sell the loan to Freddie Mac.


        June 2017 | Multifamily $200 Billion in Risk Transfer Milestone

        In reaching this milestone, Freddie Mac’s risk transfer transactions greatly reduce the company’s and the U.S. taxpayer’s exposure to risk. Freddie Mac currently securitizes about 90 percent of the Multifamily mortgages it purchases through the K- and SB-Deal programs.

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        Innovative Appraisal Alternative

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        Multifamily $200 Billion in Risk Transfer Milestone

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        2018

        Mortgage-Related Investments Portfolio Drops Below $250 Billion

        February 2018 | Mortgage-Related Investments Portfolio Drops Below $250 Billion

        Freddie Mac’s total mortgage-related investments portfolio drops from over $867 billion in March 2009 to $247 billion as of February 2018, below the 2018 year-end Purchase Agreement cap of $250 billion. The portfolio has further declined to $236 billion as of the end of the second quarter of 2018.


        May 2018 | Historically Low Multifamily Delinquency Rate

        Thanks to strong underwriting, Freddie Mac Multifamily’s delinquency rate drops to 0.01%, a historic low.


        June 2018 | Single-Family $1 Trillion Credit Risk Transfer Milestone

        Freddie Mac announces that we have transferred a significant portion of mortgage credit risk to private investors on more than $1 trillion of single-family mortgages. Combined, we have transferred a portion of risk on $1.6 trillion in Single-Family and Multifamily mortgages away from taxpayers.


        November 2018 | $50 Billion Home Possible? Mortgage Milestone

        With this milestone, we helped make homeownership a reality for more than 270,000 low- to moderate-income families.

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        Historically Low Multifamily Delinquency Rate

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        Single-Family $1 Trillion Credit Risk Transfer Milestone

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        $50 Billion Home Possible Mortgage Milestone

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        2019

        Uniform Mortgage-Backed Security (UMBS) Goes Live

        June 2019 | Uniform Mortgage-Backed Security (UMBS) Goes Live

        Merging Freddie Mac and Fannie Mae To-Be-Announced MBS markets into a single $4 trillion market - the second largest bond market in the world.


        June 2019 | K-Deals 10-Year Anniversary

        Freddie Mac Multifamily celebrates 10 years of K-Deals, the first modern multifamily securitization. Since its inception in 2009, more than $300 billion in loans have been securitized. By shifting a portion of our risk to the private sector, we’re helping to build a stronger company and protect taxpayers.


        July 2019 | A Better Freddie Mac, A Better Housing Finance System

        Through these and other milestones Freddie Mac is helping to build a better housing finance system for the nation. A steady stream of improvements and strong business fundamentals are key drivers in this transformation.

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        K-Deals 10-Year Anniversary

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        A Better Freddie Mac, A Better Housing Finance System

        >
        February 2009 | Assistance Programs for Struggling Homeowners
        June 2009 | Multifamily Risk Transfer Program
        January 2010 | Borrower Help Centers
        September 2012 | Return to Profitability
        July 2013 | Single-Family Credit Risk Transfer Program
        December 2013 | Total Payments to the U.S. Treasury Reaches Amount Borrowed
        August 2014 | First Non-Performing Loan Sale
        October 2014 | Small Balance Loan Program
        October 2015 | LAS Offers Digital Tools for Managing Single-Family Mortgages
        December 2015 | Leading Multifamily Lender
        December 2016 | Single Security and Common Securitization Platform
        January 2017 | Single-Family Serious Delinquency Rate Dips Below 1%
        May 2017 | Innovative Appraisal Alternative
        June 2017 | Multifamily $200 Billion in Risk Transfer Milestone
        February 2018 | Mortgage-Related Investments Portfolio Drops Below $250 Billion
        May 2018 | Historically Low Multifamily Delinquency Rate
        June 2018 | Single-Family $1 Trillion Credit Risk Transfer Milestone
        November 2018 | $50 Billion Home Possible? Mortgage Milestone
        June 2019 | Uniform Mortgage-Backed Security (UMBS) Goes Live
        June 2019 | K-Deals 10-Year Anniversary
        July 2019 | A Better Freddie Mac, A Better Housing Finance System
        Innovating for the Market
        ACE

        Our automated appraisal alternative can save borrowers money and offers lenders more peace of mind when they sell the loan to us.

        Single Security

        UMBS creates a single $4 Trillion TBA MBS market – the second largest bond market in the world – and brings greater liquidity to the market, while lowering costs for borrowers, taxpayers and investors.

        Workforce Housing

        We’ve invested hundreds of millions of dollars in Low-Income Housing Tax Credit (LIHTC) equity to increase the number of affordable rental units across the nation, particularly in underserved communities.

        A Safer, Sounder System
        Through our pioneering credit risk offerings, we’re creating a better housing finance system that's good for the industry, investors and America's taxpayers. Since 2009, we’ve transferred a portion of mortgage credit risk on nearly
        of mortgages

        Since our credit risk transfer program began in 2009, we've added new products to meet the increasing demand, from over 800 investors.

        • Innovating Small Delivers Big Results
          We’ve helped keep more than 350,000 rental units affordable to working families since launching our innovative Small Balance Loan program in 2014.
        • Doing More for Affordable Housing
          Our commitment to provide safe and affordable housing in underserved markets during all economic conditions is a mission that matters.

        Innovation

        We're dedicated to automation and innovation that bring more efficiencies to the housing market.

        Technology

        We're focused and investing in technology that's lowering costs across the housing industry, while helping to serve more families.

        Commitment

        We're committed to serving the industry by building a better and more sound housing finance system.

        Excellence

        We're working closely with our customers to meet their needs and help them remain strong and competitive.

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