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    ​​​​​​​​Duty to Serve​ Program

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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.  Learn more about the underserved markets.

The 2018-2020 Plans describe specific activities each Enterprise will undertake to fulfill their Duty to Serve obligations in each underserved market.

Public Input

Use the drop-down menus to submit general input on the Duty to Serve program or to view previously-submitted comments.



Explore Duty to Serve

Duty to Serve video thumbnail 

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


Learn more about how the program works.



LEARN MORE about temporary changes to the Duty to Serve program in 2020 and 2021.

2019 Enterprise Reports now available. Each year, the Enterprises submit quarterly and annual reports detailing the progress they have made towards achieving their Underserved Markets Plan objectives in compliance with the Duty to Serve requirements.  FHFA makes these reports public, omitting any confidential and proprietary information.  They contain the Enterprises’ views on their Duty to Serve activities and do not necessarily reflect FHFA’s evaluations. 


Data and Tools

Access datasets and interactive maps for DTS-qualifying rural areas, Indian areas, high opportunity areas, and areas of concentrated poverty.

Below is our Single-Family Dashboard for 2019. This interactive map looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels.            

 Duty to Serve 2019 Single-Family map 

   Duty to Serve 2019 Single-Family Dashboard


Find what you're looking for:

Meet the Team

Jim Gray
Duty to Serve Program Manager

Meghan Aines
Duty to Serve Intern

Arun Barman
Duty to Serve Senior Economist

Rebecca Cohen
Duty to Serve Senior Policy Analyst

James Martin
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.

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