Freddie Mac is a congressionally chartered corporation, established in 1970, that operates in the U.S. secondary mortgage market. Its core function is to purchase single-family and multifamily residential mortgage loans from lenders, freeing up capital so those lenders can continue extending credit to borrowers across the country. By packaging those loans into mortgage-backed securities (MBS) and selling them in global capital markets, Freddie Mac transfers interest-rate and liquidity risks from lenders to third-party investors.
The company's work sits at the intersection of housing finance, securitization, and capital markets. Its technical domains include mortgage securitization, liquidity management, and risk transfer - areas that require expertise in structured finance, quantitative modeling, and market operations. Since its founding, Freddie Mac has played a role in enabling more than 90 million families to access mortgage financing.
Freddie Mac's stated mission centers on delivering liquidity, stability, and affordability to the housing market. A particular emphasis is placed on maintaining consistent liquidity across varying economic conditions, including periods of market stress. Its MBS are distributed to investors in global capital markets, giving the organization a reach that extends well beyond its U.S. operational base.
