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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.

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The Markets 


Duty to Serve video thumbnail 

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


On March 11, 2020 FHFA published the final Evaluation Guidance for the 2021-2023 Plan cycle.  FHFA’s Evaluation Guidance communicates FHFA’s expectations regarding the process for developing Fannie Mae’s and Freddie Mac’s (Enterprises) Underserved Markets Plans and the standard for FHFA to issue a “Non-Objection” to the proposed Plans.  The Evaluation Guidance sets forth the process and standards by which FHFA will evaluate, and report annually to Congress on the Enterprises’ performance and achievements under their Plans.  The updated guidance will ensure that the Enterprises DTS programs have a real and significant impact in underserved communities.

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 is one of the featured activities under the Enterprises' Duty to Serve plans. FHFA produces data files on high-needs counties (Middle Appalachia, Lower Mississippi Delta, Counties with Colonias, and Persistent Poverty Counties) as well as Census tracts which are identified as rural for Duty to Serve purposes. FHFA created this interactive map to help users visualize both rural tracts and high-needs counties under the Duty to Serve program. 

 Duty to Serve High-Needs Counties thumbnail 

2018-2020 Duty to Serve High-Needs Counties with Rural Tracts Map

Access the instructions on how to use the map here.


About Us

Matt Douglas
Duty to Serve Assistant Program Manager

Jim Gray
Duty to Serve Program Manager

Arun Barman
Duty to Serve Senior Economist

Rebecca Cohen
Duty to Serve Senior Policy Analyst

​Geenae R. Rivera Soto
Duty to Serve Policy Analyst

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