Insights, Notes & Briefs
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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
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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
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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
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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
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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
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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