FHFA 2025 Annual Housing Report: What It Means for Miami, Fort Lauderdale & Palm Beach Title Closings
Published: November 4, 2025 | By Location Title & Escrow LLC — South Florida’s Trusted Title, Escrow & RON Experts
As a leading South Florida title company, we decode the FHFA 2025 Annual Housing Report (covering 2024 data) to show exactly how national trends impact your local closing — from escrow services in Fort Lauderdale to RON closings in Naples and 1031 exchanges in Boca Raton.
Overview: FHFA’s Mission & South Florida Relevance
The Federal Housing Finance Agency (FHFA) oversees Fannie Mae and Freddie Mac to ensure safe, liquid mortgage markets — especially for low- and moderate-income families. Released October 2025, this report evaluates 2024 performance across housing goals, Duty to Serve, and affordable housing allocations.
For buyers searching for a “title company in Coral Gables” or “real estate closing in Jupiter,” these insights signal refinancing surges, multifamily growth, and compliance musts under Florida Statute 627 (Title Insurance) and Rule 69B-186 (Escrow).
2024 Single-Family Housing Goals: Performance Breakdown
Freddie Mac met all goals. Fannie Mae missed very low-income home purchase by 0.1% (5.9% vs 6.0% market) — no housing plan required, but improvements expected.
| Goal | Benchmark | Market Level | Fannie Performance |
|---|---|---|---|
| Low-Income Home Purchase | 28% | 25.5% | 26.7% |
| Very Low-Income Home Purchase | 7% | 6.0% | 5.9% |
| Low-Income Areas Purchase | 19% | 27.9% | 29.0% |
| Minority Census Tracts Subgoal | 10% | 11.9% | 13.0% |
| Low-Income Refinance | 26% | 34.8% | 36.4% |
| Goal | Benchmark | Market Level | Freddie Performance |
|---|---|---|---|
| Low-Income Home Purchase | 28% | 25.5% | 26.6% |
| Very Low-Income Home Purchase | 7% | 6.0% | 6.1% |
| Low-Income Areas Purchase | 19% | 27.9% | 28.0% |
| Minority Census Tracts Subgoal | 10% | 11.9% | 12.0% |
| Low-Income Refinance | 26% | 34.8% | 33.0% |
2024 Multifamily Goals: Both Enterprises Exceeded
| Goal | Benchmark | Fannie Mae | Freddie Mac |
|---|---|---|---|
| Low-Income Multifamily | 61% | 68.0% | 65.3% |
| Very Low-Income Subgoal | 12% | 14.5% | 15.3% |
| Small Multifamily (5–50 units) | 2.5% | 2.8% | 3.4% |
Impact in Naples & Tampa: More rental units funded → stronger commercial closings and 1031 exchange coordination.
Duty to Serve Underserved Markets: 2024 Ratings
- Fannie Mae: Minimally Passing (Manufactured), Low Satisfactory (Preservation, Rural)
- Freddie Mac: High Satisfactory (Manufactured), Low Satisfactory (Preservation, Rural)
Boosts financing in Florida Keys (Monroe County) and rural Collier — ideal for quiet title actions and lien removals.
Affordable Housing Allocations: $333M in 2025
$216M → Housing Trust Fund (HUD) | $116M → Capital Magnet Fund (Treasury)
Cumulative since 2016: $5.541 billion
How the FHFA Report Impacts Boca Raton Title Closings
Refinance surge (36.4% Fannie) = more cash-out closings on oceanfront homes. We handle FIRPTA for foreign sellers and weekend notary services in Palm Beach County.
How the FHFA Report Impacts Doral Commercial Real Estate
Multifamily strength supports warehouse and office closings. Our secure escrow automation ensures compliance under RESPA/CFPB.
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FAQ: FHFA Report & Your South Florida Closing
Q: Did Fannie Mae fail any 2024 housing goals?
A: Yes — Fannie Mae missed the very low-income home purchase goal by 0.1% (5.9% vs 6.0% market level). No formal housing plan required.
Q: How does this affect title insurance in Boca Raton?
A: High refinance activity → ideal for cash-out refinances. We handle FIRPTA and secure escrow.
Q: What are the multifamily housing goals for 2024?
A: Low-Income: 61% (both exceeded); Very Low-Income: 12%; Small Multifamily: 2.5%.
Q: Can I close remotely in Naples or Key West?
A: Yes — with Florida RON. We coordinate eClosings and mobile notaries.
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