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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.



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



Explore Duty to Serve

The Markets




Duty to Serve Plans Snapshots


The Duty to Serve Plans detail opportunities for financial services organizations, nonprofits, and other industry participants to work with the Enterprises to better serve the three target markets.  FHFA created a series of Snapshots that break down Fannie Mae’s and Freddie Mac’s Plans to help facilitate these opportunities.  The Snapshots combine relevant portions of both companies’ Plans by topic and should serve as an accompaniment to help interested parties identify activities and opportunities most relevant to their particular line of work.

Please use the drop-down bar to view the 11 Snapshots.


Duty to Serve Overview Video



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


Public Input




Mississippi Delta Bus Tour with Community Development Bankers


Downloadable version of Bus Tour slideshow (PDF)

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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