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The Power of Partnership is our podcast under the Freddie Mac Home Starts Herepodcast series that focuses on the strong relationships between Freddie Mac and ourthird-party partners. Today we’re talking about Freddie Mac’s 2022 pricing objectivesand loan pricing components with our valued secondary market advisor, or SMA,partner MIAC, and how MIAC is making the analysis and loan sale process easier anddelivering better results with its technology platform and advisory services. Listen in tolearn how to optimize your pooling.

Christie Tintle, Managing Director and head of Wells Fargo Securities’ Asset backed Finance Syndicate Team, joins Mike Reynolds, VP of Single-Family Credit Risk Transfer, to discuss what it means to be the head of the syndicate desk for asset backed finance and its role in the CRT market.

Different stakeholders within the mortgage and housing industry play a role in decreasing barriers to homeownership. Kasey Kier, Assistant Commissioner at Minnesota Housing, and Tamela Thurman, Director, Freddie Mac's Single-Family Equitable Housing Team discuss ways to address the array of complex issues communities of color face in attaining, sustaining and building wealth through homeownership

Don Layton, former Freddie Mac CEO, joins Mike Reynolds, VP of Single-Family Credit Risk Transfer, to discuss the inception of the GSE CRT market and how it supports Freddie Mac’s mission. Don and Mike dive into the benefits of CRT, address its criticisms and reflect on CRT’s core role in today’s financial system.

Racial and ethnic bias impact home appraisals. Pam Perry, vice president of Single-Family Equitable Housing sits down with Jillian White, SRA, head of collateral at Better.com to discuss new research on how valuation bias can affect the racial wealth gap, and holistic approaches to solve valuation disparities.

Diversity has many dimensions. Many of these identities may overlap and that intersection will affect how women face challenges in their careers. This #LeadingTheWay Masterclass explores how should organizations and professionals should assess and embrace these dimensions as they work toward career advancement.

Single-Family Senior Vice President of Modeling, Econometrics, Data and Analytics, Michael Bradley discusses the advantages of AI and Machine Learning for mortgage lenders with Amy Gromowski, Senior Leader, Science & Analytics at CoreLogic and Frank Poiesz, Managing Director of Product, Origination Technology with Black Knight.

Single-Family VP Mike Reynolds talks with Dan King, Managing Director at Credit Suisse, about the role of investment banks in structuring and bringing new CRT transactions to market.

We recently investigated a case in which normally trusted income sources like tax returns looked suspiciously similar across multiple loan files for borrowers who were all supposedly self-employed. But when Martin Abad, a director in the Single-Family Fraud Risk (SFFR) investigations unit, took a closer look, he confirmed that what you see isn’t always what you get. 

National Homeownership Month is a time to celebrate the benefits of homeownership for families and communities across the country.  Learn about lending success from three Freddie Mac Home Possible® RISE Award winners who are extending the reach of homeownership, daily. 

Single-Family Credit Risk Transfer (CRT) VP Mike Reynolds sits down with Jim Bennison, Executive VP and Head of Alternative Markets at Arch MI. Mortgage insurance can be thought of as the oldest and most used form of CRT for Freddie Mac. Learn more in this discussion about how mortgage insurance companies, including (re)insurers, play a key role in the U.S. housing market ecosystem. 

COVID-19 policy flexibilities for forbearance program have successfully prevented foreclosures, but won’t continue forever, and elevated volumes are driving demand for solutions that optimize mortgage servicing operations— from quick decisions on mortgage assistance options to reimbursement for servicing defaulted properties. In this episode we sit down with servicing client, Mr. Cooper, to discuss PAID (Payments Automated Intelligent and Dynamic), a new tool that improves the servicer workflow for expense reimbursements. 

Reducing home utility costs places families in a better financial situation and helps preserve home affordability over time. Since the first Earth Day in 1970, changes in building codes have made homes much more efficient, cutting energy use by 47%, but a lack of energy efficiency can still be the highest cost of homeownership outside of the mortgage loan. In this episode, we discuss tools that allow lenders and appraisers the ability to rate the energy performance of homes and how to affordably reduce costs through energy efficiency upgrades. 

Mike Reynolds, Single-Family VP of Credit Risk Transfer, sits down with Andrew Davidson & Co., Inc. (AD&Co) founder Andy Davidson to talk all things risk intelligence, including planting the first seed about a GSE CRT market in 2010 and connecting with Freddie Mac to launch the first GSE CRT securities transaction in 2013. AD&Co was founded in 1992 and focuses on bringing the analytics and tools of Wall Street to the buy-side, enabling all parties to conduct business fairly. The company’s interest in GSE CRT stemmed from an obligation to making the mortgage market function better as well as from seeing a strong appetite among credit experts for more products to invest in. 

Homeownership is the cornerstone to wealth building, community pride and familial stability. However, many Black Americans face a significant number of barriers to homeownership and are under-represented among homeowners.  In this conversation, we’ll hear Lydia Pope, president-elect, National Association of Real Estate Brokers and Pamela Perry, vice president, Equitable Housing, Freddie Mac Single-Family discuss how their roles address barriers and obstacles that impede homeownership in the Black community.  

In Honor of Women’s History Month, we revisit a conversation between two dynamic women –Barbara Corcoran, Founder of The Corcoran Group, and “shark” on ABC’s hit show Shark Tank and executive vice president and head of Freddie Mac’s Single-Family business, Donna Corley. Barbara sat down with Donna during the Fall 2020 Freddie Mac Single-Family annual CONNECT conference to discuss the #LeadingTheWay initiative, share personal stories on career growth and practical advice on honing your "entrepreneurial spirit" regardless of where you are in your career journey. 

Now, more than ever, Servicers are focused on how to efficiently deliver the best product for the homeowners. Hear how Cenlar, a Freddie Mac Servicer client, is using a new end-to-end default management platform, Resolve (SM) to get fast decisions on mortgage relief options, while saving time and resources. 

Learn more about the partnership between Federal Housing Finance Agency, Freddie Mac and Fannie Mae to help borrowers challenged with limited English proficiency navigate the homebuying process. The result has been a resource that has assisted lenders, servicers, housing counselors, real estate professionals and other industry stakeholders in better serving LEP borrowers. The Mortgage Translations Clearinghouse holds translated mortgage-related terms, documents, and homeownership resources in the several languages representing some of the largest population and cultural segments within the United States, helping these consumers understand topics such as fraud avoidance, foreclosure prevention, financial wellness and mortgage options. https://www.fhfa.gov/MortgageTranslations 

This episode explores the historic and social homeownership challenges faced by Native American communities. Single-Family Affordable Lending Manager, James Cromartie, and special guest Executive Director of Lakota Funds, Tawney Brunsch discuss work being done to address the scarcity and limitations of homeownership and efforts underway to prepare borrowers on Native American reservations for successful homeownership through Freddie Mac’s Duty to Serve initiative. 

Mortgage finance data models have revolutionized how the mortgage industry does everything from assess risk to assist borrowers who are having difficulty making their payments. They are used to project interest rates, mortgage rates, house prices, unemployment rates, defaults and prepayments, and other key outputs that determine our business success and viability. But what happens when a global pandemic throws the models out of whack? Two industry experts explore how the industry can best use data as a tool for long-term business growth and preparedness even in the throes of a “black swan” event.