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Equitable Housing

Enabling underserved minority communities to achieve the dream of homeownership.

What is Equitable Housing?

Freddie Mac is committed to addressing disparities in homeownership and increasing generational wealth building for communities of color.  We're focused on removing barriers and driving change through insights, education, mortgage products and business solutions.

Training Series for Loan Officers

A Seat at the Closing Table is a training series that provides support to loan officers, mortgage brokers and housing professionals who want to close the homeownership gap for minority borrowers.

Equitable Housing Mission

Freddie Mac is mission-driven, supporting an ever-evolving strategy to bring greater access to homeownership and affordable rental housing. We will continue to promote equity across all markets and dimensions to make home possible for more individuals and families across the country.

A New Podcast Series for Loan Officers

The Equitably SpeakingSM series is just one of the ways in which Freddie Mac is working to help mortgage professionals close the homeownership gap and address the unique housing challenges facing borrowers in underserved communities of color.

Generational Wealth Toolkits

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Wealth Building Toolkit

Freddie Mac provides resources and materials to assist professionals as they work towards supporting their clients' dreams of homeownership.

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Black Wealth Toolkit

Through equitable housing, Freddie Mac is committed to helping communities of color achieve the dream of homeownership. These resources strive to build generational wealth through homeownership and other sources of financial enablement.

Addressing the Homeownership Gap

Five Ways to Engage with First-Time Homebuyers

Maria Labie, Vice President, Lending Relationship Specialist at Independent Bank, shares proven best practices for helping first-time homebuyers realize the dream of homeownership.

Podcast Episode: Educating Tomorrow’s Homebuyers Today

This episode discusses how to prepare first-time and millennial homebuyers for homeownership using Freddie Mac’s CreditSmart® suite of educational resources.

Rent Payment History Considered in Credit Assessment

Freddie Mac includes a borrower’s rent payment history in its credit assessment, promoting sustainable homeownership opportunities for first time homebuyers.

Finance the Preservation of Affordable Housing

Accessory Dwelling Units

Learn about our policies for originating mortgages on properties with accessory dwelling units (ADUs).

CHOICERenovation Mortgages

CHOICERenovation® allows lenders to deliver loans to Freddie Mac where the borrower uses the loan proceeds to pay for the renovations, addressing a gap in the market.

GreenCHOICE Mortgages®

We're committed to facilitate the financing of energy efficient energy efficient homes and improvements, helping more families attain and maintain home affordability.

Address Systemic Underinvestment with Formerly Redlined Areas

Appraiser Resources and Appraisal Diversity Initiative (ADI)​

Freddie Mac focuses on attracting new entrants to the real estate appraisal field. Learn more about our collaboration to diversify the profession.

Borrower Help Centers

Through our on-the-ground Borrower Help Centers and national Network, we work with trusted national nonprofit intermediaries to support Freddie Mac’s ongoing commitment of preparing prospective buyers for responsible homeownership.

Eliminate Disparities Among Members of Black & Latino Communities

Discriminatory Restrictive Covenants FAQ

The Discriminatory Restrictive Covenants Page provides resources regarding discriminatory covenants on real estate, what they mean and what property owners can do about them.

Discriminatory Restrictive Covenants Interactive Map​

Freddie Mac continues to build resources and tools that help remove barriers for homeownership. Check out our Discriminatory Restrictive Covenants (DRC) Interactive Map to view how each state addresses the history of illegal DRCs on historic real estate records.

Equitable Housing Research

Additional Resources

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