Federal Housing Finance Agency Print
  • ​​​​​​​​​​

    ​​​​​​​​Duty to Serve​ Program



Home / Policy, Programs & Research / Programs / Duty to Serve Program

Duty to Serve Program

Overview

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

             
          


Explore Duty to Serve

The Markets 


Data and Tools

Click to access the Duty to Serve Data and Tools page, containing datasets on rural areas, Indian tribe areas, high opportunity areas, and areas of concentrated poverty.

Below is one of our interactive dashboards for the high-needs rural region, which is also featured on our Data and Tools page along with our other data tools. This visualization along with dashboards on rural regions and manufactured housing titled as real property, allow users to see 2017 data on acquisitions of loans that meet DTS criteria by trends, states, counties, along with various loan characteristics.

HPI Summary Tables Thumbnail 

2017 DTS Single-Family Dashboard

              

Noteworthy

FHFA Updates "Snapshots" of Fannie Mae and Freddie Mac's Duty to Serve Plans 

On December 19, 2018, the Federal Housing Finance Agency published Fannie Mae and Freddie Mac's (the Enterprises) modified Underserved Markets Plans for 2018-2020 under the Duty to Serve program.  To help simplify what is in the modified Plans and help stakeholders find the most relevant parts of each Plan, we have created 11 Snapshots that further break down the three main markets so interested parties could quickly find a topic or opportunity of interest.  We hope that these updated 11 DTS Snapshots, will be a helpful guide for stakeholders. 

If you would like to see what the Enterprises modified in their Plans, please see respective pages provided here: 

Fannie Mae's Modified Plan, Justifications and Snapshots 

Freddie Mac's Modified Plan, Justification and Snapshots

                            

 

 

 

 

 

 

 

 

 

Modified Underserved Markets Plans (Revised 12/19/2018)

On December 19, 2018, the Federal Housing Finance Agency published Fannie Mae and Freddie Mac's (the Enterprises) modified Underserved Markets Plans for 2018-2020 under the Duty to Serve program.  The Plans, originally published Dec. 18, 2017 became effective Jan. 1, 2018.  

Each Enterprise adopted a three-year Underserved Markets Plan.  The activities proposed by the Enterprises are subject to FHFA review and approval to ensure compliance with the Enterprises' Charter Acts, safety and soundness, and other conservatorship and regulatory requirements.  Under the Duty to Serve rule and FHFA's Evaluation Guidance, an Enterprise may propose to modify its Plan at any point if future events affect its ability to achieve the Plan's original objectives.​

Fannie Mae's Modified Plan and Justifications 

Freddie Mac's Modified Plan and Justification

 

 


                       
                       

           


 

                            ​

Duty to Serve Overview Video

Duty to Serve video thumbnail 

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


 

Public Input


 

 



 

           


 

          

 

About Us


Matt Douglas
Duty to Serve Assistant Program Manager

Jim Gray
Duty to Serve Program Manager

Rebecca Cohen
Duty to Serve Senior Policy Analyst

Mary Owens
Duty to Serve Affordable Multifamily Specialist

Geenae R. Rivera Soto
Duty to Serve Program Analyst

Tanya Winters
Duty to Serve Senior Policy Analyst


Meet the Experts


Resources


Find what you're looking for:

Contact Us


Submit your questions to us via email.

​​​​

© 2019 Federal Housing Finance Agency