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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 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 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

Lauren Boyd
Duty to Serve Policy Analyst


In response to the disruption and uncertainty caused by the COVID-19 pandemic, FHFA instructed Fannie Mae and Freddie Mac to structure their 2021 DTS activities as a one-year extension of their 2018-2020 Plans. 

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


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.

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