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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 provide 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.



FHFA, Fannie Mae, and Freddie Mac recently hosted three virtual listening sessions for stakeholders to provide feedback on the Enterprises' proposed modifications to their 2020 Duty to Serve Plans and proposed additions to their 2021 Duty to Serve Plans for the manufactured housing, affordable housing preservation, and rural housing markets.  Transcripts from these sessions, along with the Enterprises' proposed 2020 modifications and 2021 Plans are available here:

Stay up to date with the Duty to Serve program. Learn more about the Duty to Serve response to the COVID-19 Pandemic and temporary changes to the Duty to Serve program in 2020 and 2021.


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


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Meet the Team

Meghan Aines
Duty to Serve Intern

Arun Barman
Duty to Serve Senior Economist

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.

© 2020 Federal Housing Finance Agency