Industry Reports and Publications
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Refinance and the Accumulation of Home Equity Wealth
This study finds that spending financed by tapping home equity helps smooth household consumption and bolster the economy during downturns. But it also may reduce wealth accumulation.
| Authors: Frank E. Nothaft and Yan Chang | Published: 02/2004 |
On the Economics of Subprime Lending
Innovations in underwriting, mortgage products, and mortgage funding have expanded mortgage lending and reduced costs. An important part of the change has been the rise of the "subprime" market. This report suggests that some standard economic models can explain the main characteristics of the subprime market.
| Authors: Amy Crews Cutts and Robert Van Order | Published: 01/2004 |
A Little Knowledge Is a Good Thing: Empirical Evidence of the Effectiveness of Pre-Purchase Homeownership Counseling
Effective pre-purchase counseling significantly helps homeowners avoid falling behind in their mortgages, in some cases by as much as 34 percent, according to the first empirical study done on the impact of pre-purchase home counseling.
| Authors: Abdighani Hirad and Peter M. Zorn | Published: 05/2001 |
Freddie Mac and Fannie Mae: Their Funding Advantage & Benefits to Consumers
An independent analysis of a 1996 Congressional Budget Office report prepared on the benefits that American consumers derive from the activities of Freddie Mac and Fannie Mae and the advantages private corporations receive from their federal charters.
| Authors: James E. Pearce and James C. Miller III | Published: 01/2001 |
Estimating House Price Growth with Repeat Sales Data: What's the Aim of the Game?
In this article, authors Ferdinand Wang and Peter Zorn go "back to basics" to re-examine the use of repeat sales data to compute house price indices and growth rates and the characteristics of repeat-sales and other house prices indices. They find that most of the confusion about the appropriate use of repeat-sales indices can be cleared away by asking: "What is the target? What is the data trying to deliver?"
| Authors: Ferdinand T. Wang and Peter M. Zorn | Published: 12/1999 |
Online Mortgage Business Puts Consumers in Drivers Seat
Discussion of trends and innovations that are fueling Freddie Mac's commitment to work with the mortgage finance industry to reduce the cost of originating mortgage loans and put homeownership within reach of even more families.
| Authors: David P. Danford | Published: 04/1999 |
Financing America's Housing: The Vital Role of Freddie Mac
This publication explains how every day, Freddie Mac helps ensure that a stable supply of low-cost mortgages is available for families in every type of neighborhood all across America.
| Published: 06/1996 |
Conventional Mortgage Home Price Index
This article presents the background work for the Conventional Mortgage Home Price Index (CMHPI), a set of home price indices published quarterly by Freddie Mac.
| Authors: William Stephens, Ying Li, Vassilis Lekkas, Jesse Abraham, Charles Calhoun, and Thomas Kimner |
Published: 1995 |
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