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

    ​​​​​​​​Duty to Serve​ Program

Home / Policy, Programs & Research / Programs / 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 three underserved markets: Manufactured Housing, Affordable Housing Preservation, and Rural Housing.  Learn more about the underserved markets.

The Enterprises’ Underserved Markets Plans describe specific activities each Enterprise will undertake to fulfill their Duty to Serve obligations in each market.


Public Input

Use the drop-down menus to provide comments on the Enterprises’ proposed 2022-2024 Underserved Markets Plans or general input on the Duty to Serve program, or to view previously-submitted comments.




Explore Duty to Serve


Learn more about how the program works.      

Meet the Team

Meghan Aines
Duty to Serve Intern

Arun Barman
Duty to Serve Senior Economist

Marcea Barringer
Duty to Serve Senior Policy Analyst


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.

© 2021 Federal Housing Finance Agency