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Duty to Serve Program


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


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


Mississippi Delta Bus Tour with Community Development Bankers​

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



Duty to Serve Overview Video


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



Downloadable version of Bus Tour slideshow (PDF)

Public Input






About Us

Matt Douglas
Duty to Serve Assistant Program Manager

Jim Gray
Duty to Serve Program Manager

Rebekah King
Duty to Serve Senior Policy Analyst

Mary Owens
Duty to Serve Affordable Multifamily Specialist

Geenae R. Rivera Soto
Duty to Serve Program Analyst

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