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.

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.

Toolkit PDF Toolkit Page

Addressing the Homeownership Gap

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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.

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Cash Transaction History Considered in Loan Product Advisor^®

LPA℠ now considers borrowers’ positive cash flow in underwriting decisions, especially helpful to communities of color where cash transactions can be more common than traditional credit.

Loan Officer Training Series

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.

2023 Equitable Housing Finance Plan Update

Our 2023 Plan update and 2022 Performance Report are now available. Learn about our 2022 progress and plans to continue increasing access to homeownership for underserved communities of color.

2023 Plan 2022 Report

Finance the Preservation of Affordable Housing

Accessory Dwelling Units

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

Refi Possible^℠

Freddie Mac Refi Possible℠ mortgage offers lower-income borrowers with the opportunity to reduce their monthly mortgage expenses, enhance their capability to save more and build generational wealth through housing.

Refinancing Opportunities

Learn more about our products, resources and tools to assist low-income and underserved communities with refinancing to build sustainable wealth.

Top States for Black Refinance Opportunities

Download for details on the top states of opportunity for Black Americans to benefit from refinancing.

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 work 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.