{"id":1004212188,"date":"2016-03-01T00:00:00","date_gmt":"2016-03-01T08:00:00","guid":{"rendered":"https:\/\/www.commercialsearch.com\/news\/cpe-uncategorized\/freddie-mac-fannie-mae-evolving-the-american-dream-2\/1004212188.html"},"modified":"2020-04-07T08:20:39","modified_gmt":"2020-04-07T16:20:39","slug":"freddie-mac-fannie-mae-evolving-the-american-dream-2","status":"publish","type":"post","link":"https:\/\/www.commercialsearch.com\/news\/freddie-mac-fannie-mae-evolving-the-american-dream-2\/","title":{"rendered":"Freddie Mac & Fannie Mae: Evolving the American Dream"},"content":{"rendered":"

\"Frank<\/a>By Frank Lutz,\u00a0<\/em>Senior Vice President,\u00a0<\/em>Berkadia<\/em><\/p>\n

Owning a home is no longer foundational to the American Dream. The first housing census was conducted in 1940, and in just 60 years, median home values adjusted for inflation nearly quadrupled<\/a>. With that type of price tag, the 21st<\/sup> century version of the American Dream has evolved, and there are many more people for whom homeownership doesn\u2019t make sense\u2014and factors like a transient job situation don\u2019t help. For these individuals, well-maintained rental housing options can provide the same clean and safe comforts that homeownership affords. This housing, whether subsidized or not, is basically the affordable option in America, and the agencies\u2014Freddie Mac and Fannie Mae\u2014play a major role in supporting it by making sure liquidity for financing is always abundant.<\/p>\n

In 2015, Freddie Mac and Fannie Mae both had banner years, increasing volume by 60 percent and 46 percent, respectively. In part, 2015 momentum was generated by the strong demand for loans in the multifamily sector, and many find themselves asking if the agencies can expect to see a similar flurry of activity in 2016. First, however, one must answer why the liquidity of these agencies is so critical. They help:<\/p>\n