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About: Freddie Mac operates in the U.S. secondary mortgage market. That means we don’t lend directly to borrowers but buy loans that meet our standards from approved lenders. With the money that lenders receive in return, they can make loans to other qualified borrowers. In securitizing pools of mortgages and selling the securities to investors, we shift a significant portion of the credit risk associated with the loans we own to private investors – away from taxpayers.