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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

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.

  2017 DTS Single-Family Dashboard



Serving high-needs rural regions 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.


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






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

Arun Barman
Duty to Serve Senior Economist

Rebecca Cohen
Duty to Serve Senior Policy Analyst

​Geenae R. Rivera Soto
Duty to Serve Policy Analyst

David Sanchez
Duty to Serve Senior Policy Analyst

Tanya Winters
Duty to Serve Senior Policy Analyst

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