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src="/sites/g/files/ynjofi111/files/megamenu-mission-lifestyle_380x285.png" width="380" height="285" alt="Our mission" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Our Mission</h3> <p class="flex-child-grow"> Learn how we are delivering on our mission of Making Home Possible. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="/about/addressing-housing-needs-growing-workforce-manufactured-homes" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" > <!-- perspective and component --> <div class="card-image " > <img loading="lazy" src="/sites/g/files/ynjofi111/files/kilpatrick_megamenu.png" width="380" height="285" alt="Addressing the Housing Needs of a Growing Workforce " /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Addressing the Housing Needs of a Growing Workforce</h3> <p class="flex-child-grow"> Learn how manufactured housing can create new affordable homeownership opportunities. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-ourbusiness" id="ourbusiness-sub-nav" > <div class="grid-x"> <div class="cell"> <div class="menu-close"> <button type="button" class="close-button" data-close="" aria-label="Close navigation"> <svg aria-hidden="true" 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main-nav-item"> Overview </a> </li> <li > <a href="https://sf.freddiemac.com/" class="tbm-link level-3 main-nav-item"> Single-Family Division </a> </li> <li > <a href="https://mf.freddiemac.com/" class="tbm-link level-3 main-nav-item"> Multifamily Division </a> </li> <li > <a href="http://capitalmarkets.freddiemac.com/capital-markets/" class="tbm-link level-3 main-nav-item"> Capital Markets Division </a> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://sf.freddiemac.com/" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" > <!-- perspective and component --> <div class="card-image " > <img loading="lazy" src="https://freddiemac.widen.net/content/dposscouz0/png/CC_FM_15776_nav-businessactivities-singlefamily.jpg?w=380" alt="a single-family home" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Single-Family</h3> <p class="flex-child-grow"> Our Single-Family Division keeps mortgage capital flowing by purchasing mortgage loans from lenders so they in turn can provide financing options to qualified borrowers. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://mf.freddiemac.com/" > <div class="card background-white no-margin-bottom-large" data-equalizer-watch="" > <!-- perspective and component --> <div class="card-image " > <img loading="lazy" src="https://freddiemac.widen.net/content/7okmiu8zus/png/CC_FM_15776_businessactivities-multifamily.jpg?w=380&h=285&keep=c&crop=yes&color=ffffff00&quality=100&u=qjyytn" alt="a multifamily building" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">Multifamily</h3> <p class="flex-child-grow"> Our Multifamily Division provides liquidity and stability to the rental housing market, improving access to quality, affordable housing. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" data-hover-pane="true" data-dropdown=" " aria-labelledby="section-researchperspectives" id="researchperspectives-sub-nav" > <div class="grid-x"> <div 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no-link main-nav-item match-menu-anchor inline-block tbm-no-submenu" tabindex="0"> Research </span> </li> <li > <a href="/research" class="tbm-link level-4 main-nav-item"> All Research </a> </li> <li > <a href="/pmms" class="tbm-link level-4 tbm-toggle main-nav-item"> Mortgage Rates </a> </li> <li > <a href="/research/insight" class="tbm-link level-4 main-nav-item"> Insights, Notes & Briefs </a> </li> <li > <a href="/research/forecast" class="tbm-link level-4 main-nav-item"> Forecast & Outlook </a> </li> <li > <a href="/research/consumer-research" class="tbm-link level-4 main-nav-item"> Consumer Research </a> </li> <li > <a href="/research/indices" class="tbm-link level-4 main-nav-item"> Indices </a> </li> <li > <a href="/research/datasets" class="tbm-link level-4 tbm-toggle main-nav-item"> Datasets </a> </li> </ul> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <ul 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src="/sites/g/files/ynjofi111/files/styles/4x3_aspect_ratio/public/Jim_Whitlinger.jpg?itok=IuJ3TsHb" width="640" height="480" loading="lazy" /> </div> <div class="card-details"><span class="card-category">Corporate</span><span>February 13, 2025</span> </div> <h3 class="header-card-text flex-child-grow weight-medium"><span><span>Transcript: Freddie Mac CFO Discusses Fourth Quarter and Full-Year 2024 Financial and Business Results</span></span> </h3> <p><span aria-hidden="true" class="arrow-text left-align"><span>Read More</span></span></p> </div> </a> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-column span3 cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner tb-megamenu-column-inner mega-inner clearfix"> <div class="tbm-block"> <div class="block-inner"> <div class="views-element-container"><div class="js-view-dom-id-f07246a81710b50867899fafce1d60bbbe10226382b3b710d3b98d63a9fd52f6"> <div class="views-row"> <a class="no-decoration" href="/research/forecast/20250124-us-economy-grew-stronger-pace"> <div class="card" data-equalizer-watch=""> <div class="card-background-image aspect-4x3 bordered half-margin-bottom" style="background-image: url(/sites/g/files/ynjofi111/files/styles/640xautoheight/public/202502-Outlook-January-2025-fc-charts-thmb.png?itok=xh2zO0AG);"> </div> <div class="card-details"><span class="card-category">Outlook</span><span>January 24, 2025</span></div> <h3 class="header-card-text flex-child-grow weight-medium"><span><span>Economic, Housing and Mortgage Market Outlook – January 2025</span></span> </h3> <p> <span aria-hidden="true" class="arrow-text left-align"><span>Read More</span></span> </p> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="tbm-submenu tbm-item-child grid-container fluid sub-nav dropdown-pane show-for-xlarge tb-megamenu-submenu dropdown-menu mega-dropdown-menu nav-child" role="list" data-hover="true" 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clearfix"> <div class="tbm-block"> <div class="block-inner"> <div><a class="no-decoration" href="https://careers.freddiemac.com/us/en/blogarticle/ask-a-talent-advisor-what-does-career-growth-and-development-look-like-at-freddie-mac" > <div class="card background-white no-margin-bottom-large" > <!-- perspective and component --> <div class="card-image " data-equalizer-watch="" > <img loading="lazy" src="/sites/g/files/ynjofi111/files/homepage-careers-development_380x285.jpg" width="380" height="285" alt="Team member with a mentor coaching them on a laptop" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">What does career growth and development look like at Freddie Mac?</h3> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Read More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse cell large-3 tb-megamenu-column mega-col-nav"> <div class="tbm-column-inner 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class="nid-266 node--component_page" id="main-content"> <div class="node_content"> <div class="page-title"> <div class="grid-container fluid hide-for-print" id="breadcrumb-wrapper"> <div class="grid-x"> <div class="cell"> <nav role="navigation" aria-label="You are here:"> <ol typeof="BreadcrumbList" vocab="http://schema.org/" class="breadcrumbs"> <li typeof="ListItem" property="itemListElement"> <a href="/" typeof="WebPage" property="item"> <span property="name">Home</span> </a> <meta content="1" property="position" /> </li> <li typeof="ListItem" property="itemListElement"> <a href="/terms" typeof="WebPage" property="item"> <span property="name">Terms and Conditions</span> </a> <meta content="2" property="position" /> </li> </ol> </nav> </div> </div> </div> <div class="grid-container"> <div class="grid-x grid-padding-x"> <div class="cell"> <h1>Using or Linking to Our Content</h1> </div> </div> </div> </div> <div class="grid-container padding-top-3 padding-top-4-large"> <div class="grid-x grid-padding-x"> <div class="cell"> <div class="grid-x grid-padding-y"> <div class="cell large-8 main-content"> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <p>The content on Freddie Mac websites contains intellectual property that is protected from unauthorized use, copying and dissemination by copyright, trademark, and other laws. The posting of content does not constitute a waiver of any of Freddie Mac's proprietary rights in or related to such content (such as, but not limited to, patents, copyrights and trademarks) or a transfer of any such rights to you or any third party. You agree not to delete any copyright or similar notice from any content.</p><h2>Our Content Use Policy</h2><p><strong>Website Content. </strong>You may not sell, republish, print, download, copy, retransmit, repost, or display (by use of an HTML frame or otherwise) any content from any Freddie Mac website without our prior written consent, unless otherwise noted. If Freddie Mac provides written consent, you may not alter or amend Freddie Mac content in any way, and must provide full and proper attribution to Freddie Mac. <a href="/terms/content-use">Request the use of Freddie Mac content</a>.</p><p><strong>Automatically Updated Data Content. </strong>You do not need Freddie Mac's prior written consent to publish automatically updated data content, such as the Freddie Mac's Primary Mortgage Market Survey<sup>®</sup> data or the Freddie Mac Multi-Indicator Market Index<sup>®</sup> on your website and Freddie Mac grants to you a limited, non-exclusive, non-transferable, royalty-free license to publish such automatically updated data content on your website, subject to the terms of this Content Use Policy and the terms and conditions for syndication.</p><p><strong>Freddie Mac Name or Logo. </strong>Freddie Mac's name, logo, designs, product identifiers, slogans, trademarks, and service marks may not be used in any advertising, publicity, promotion, or other commercial manner without our prior written consent, unless otherwise noted. <a href="/terms/logo_use">Request our logo</a>.</p><p>Freddie Mac may amend its Content Use Policy at any time without notice. </p><h2>Our Linking Policy</h2><p>You may link directly to the home page of a Freddie Mac website or to another page of that website without our prior written permission.</p><p>When you link to a Freddie Mac website, Freddie Mac grants you a limited, non-exclusive, non-transferable, royalty-free license to establish a link from your website to a Freddie Mac website, and to use the Freddie Mac registered trademark in text form only solely for the purpose of properly identifying the link from your website to the Freddie Mac website. </p><p>By linking to Freddie Mac web pages you agree NOT to:</p><ul><li>Create frames around a web page of a Freddie Mac website or use other techniques that alter the visual presentation.</li><li>State or imply an affiliation between your company and Freddie Mac, or that Freddie Mac is endorsing you or your products or services, without the prior written consent of Freddie Mac</li><li>Place materials on your website that may be interpreted as distasteful, offensive, or inappropriate for any age group.</li></ul><p>By linking to a Freddie Mac website, you agree:</p><ul><li>To provide only a text-based link. If you wish to use our logo as a graphic link, you must receive our prior written permission. <a href="/terms/logo_use">Request our logo</a>.</li><li>To make it clear to users that the link leads to a Freddie Mac website.</li><li>That Freddie Mac will have no obligation to verify the current or continued accuracy of any information provided on its website. </li><li>That all rights to the marks, the content appearing on the websites, and the look and feel of the Freddie Mac websites belong to Freddie Mac and/or its third party licensors.</li><li>To cease using the logo and link upon notice from Freddie Mac. If the relationship with Freddie Mac promoted on your website changes, you agree to cease using the logo and link or alter the description of the relationship on your website.</li><li>To comply with all applicable federal and state laws and regulations and to hold Freddie Mac harmless from failure to comply with any laws or regulations.</li></ul><p>Freddie Mac may amend its Linking Policy at any time without notice.</p> </div> </div> <aside class="cell large-4"> <nav role="navigation" aria-labelledby="block-terms-menu" id="block-terms"> <h2 class="visually-hidden" id="block-terms-menu">Terms</h2> <div class="tertiary-nav"> <h2><a href="/terms">Terms and Conditions</a></h2> <nav> <ul class="no-bullet"> <li> <a href="/terms/linking"> Linking Policy </a> </li> <li> <a href="/terms/privacy"> Privacy Policy </a> </li> <li> <a href="/terms/state_privacy_notices"> State Privacy Notices </a> </li> <li> <a href="/terms/privacy_biometrics"> Biometric Information Privacy Policy </a> </li> <li> <a 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