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Mark Hanson
Single-FamilyDecember 1, 2022

Freddie Mac Green MBS Making an Impact for Homeowners and the Environment

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Housing Sentiment in the Fourth Quarter of 2022

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Insights, Notes & Briefs

  • 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 (Launched November 17, 2022)

    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

    PMMS Banner
  • Research Brief | September 8, 2022

    Co-Borrowing Is on the Rise for First-Time Homebuyers

    An increasing percentage of young first-time homebuyers are relying on support from older generations, including their parents, to afford a home. More

    The share of young adult borrowers who have a co-borrower over the age of 55 has increased in the past two decades.
  • Research Note | August 4, 2022

    Freddie Mac First-Time Homebuyer Affordability Map: A Novel Approach to Measure Affordability for Future Borrowers

    In this research, we propose a new methodology to evaluate the local affordability for future borrowers based on their credit characteristics and income distribution. For a given metro area, our First-Time Homebuyer Affordability Map calculates the share of "Mortgage Ready" renters that have enough income to purchase a home bought by a recent first-time homebuyer. More

    Exhibit 1: Share of First-Time Homebuyer between 2010-2020

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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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