About Us
Freddie Mac is a government-sponsored enterprise that operates in the U.S. secondary mortgage market. Chartered by Congress in 1970, the organization supports the housing finance system by providing liquidity, stability, and affordability to mortgage markets nationwide.
The company purchases single-family and multifamily mortgage loans from approved lenders and does not originate loans or lend directly to borrowers. After purchasing loans, Freddie Mac typically packages them into mortgage-backed securities that are sold to investors in global capital markets, transferring interest-rate and liquidity risk away from lenders.
Through this model, Freddie Mac enables lenders to continue making mortgage loans to qualified borrowers and helps maintain the flow of capital across housing markets. Its activities are designed to support consistent access to mortgage financing and promote stability during periods of market stress.