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    ​​​​​​​​Duty to Serve​ Program

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The Duty to Serve (DTS) requires Fannie Mae and Freddie Mac (Enterprises) to facilitate a secondary market for mortgages on housing for very low-, low-, and moderate-income families in: Manufactured housing, Affordable housing preservation, and Rural housing.  Learn more about the underserved markets.

The 2018-2020 Plans describe specific activities each Enterprise will undertake to fulfill their Duty to Serve obligations in each underserved market.

Public Input

Use the drop-down menus to submit comments on proposed 2020 modifications and 2021 Plan additions or provide general input on the Duty to Serve program, or to view previously-submitted comments.



Explore Duty to Serve

Duty to Serve video thumbnail 

Jim Gray, Manager of the Duty to Serve program, gives an overview of the program. 


Learn more about how the program works.



Registration Now Open: 2020 Public Listening Sessions
Listening Session Registration
Public input plays a critical role in the Duty to Serve program.  Register now  to participate in virtual listening sessions and provide comments on the Enterprises’ proposed Plans for 2021 and modifications to their 2020 Plans.

  • October 16: Manufactured Housing
  • October 21: Affordable Housing Preservation
  • October 23: Rural Housing

Each session will begin at 1:00 p.m. EDT and end by 4:00 p.m. EDT.

Use the Public Input drop-down below to submit written comments. 

LEARN MORE about temporary changes to the Duty to Serve program in 2020 and 2021.


Data and Tools

Access datasets and interactive maps for DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty.

Below is our Single-Family Dashboard for 2019. This interactive map looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels.            

 Duty to Serve 2019 Single-Family map 

   Duty to Serve 2019 Single-Family Dashboard


Find what you're looking for:

Meet the Team

Meghan Aines
Duty to Serve Intern

Arun Barman
Duty to Serve Senior Economist

Lauren Boyd
Duty to Serve Policy Analyst

Rebecca Cohen
Duty to Serve Senior Policy Analyst

Toi Roberts
Duty to Serve Program Analyst

Meet the Experts


Contact Us

Submit your questions to us via email.

© 2020 Federal Housing Finance Agency