Duty to Serve

Making Affordable Homeownership Available to Every Single Family

What is Duty to Serve?

Under the guidance of the Federal Housing Finance Agency (FHFA), Freddie Mac collaborated with mortgage industry stakeholders to develop the Duty to Serve plan to make financing of manufactured housing and rural housing easier for families with very low-, low- and moderate-income, and preserve the affordability of these homes over time.

Helping you serve more U.S. families.

We leveraged our 45+ years of experience to support underserved markets by financing more rural and manufactured housing and preserving more affordable housing for homebuyers nationwide.

Duty to Serve High-Needs Markets

Manufactured Housing

A viable source of sustainable, energy-efficient and affordable homeownership.

Rural Housing

Putting qualified borrowers in rural markets on the path to home ownership.

Affordable Housing Preservation

Keeping affordable homes available long-term and reducing housing costs.

Additional Resources

Summary | COVID-19 and Loan Performance: A Focus on Manufactured Housing and Duty to Serve High-Needs Rural Regions

Read our summary on our quantitative analysis to assess the effect of the pandemic on manufactured home mortgage forbearances and delinquencies, and the effect on loan performance in Rural America.

Research | COVID-19 and Loan Performance: A Focus on Manufactured Housing and Duty to Serve High-Needs Rural Regions

Freddie Mac conducted a quantitative analysis to assess the effect of the pandemic on manufactured home mortgage forbearances and delinquencies, and the effect on loan performance in Rural America. Read the complete research.

Survey: What's Most Important to Your Business?

Fill out this brief form to help us better understand what you need so we can provide you with resources, tools and insights that are more personalized for your business needs.

Duty to Serve Plan Summary

Freddie Mac’s 2022-2024 Duty to Serve Underserved Markets Plan is an important component of our mission-driven efforts to make home possible and affordable for renters, homebuyers, and homeowners nationwide.

Duty to Serve Plan

The Duty to Serve Plan details the three-year activities and objectives for underserved markets (By Evaluation Area and Year)

Duty to Serve FAQ

Get answers to commonly asked questions regarding the Duty to Serve program.

FHFA Duty to Serve Program Overview

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.

Rural Research Symposium

Register for this year’s Rural Research Symposium - an open forum that brings together leaders in the industry for collective discussion, research and insights on the housing market.

CHOICE Solutions Flyer

Freddie Mac CHOICE Mortgage Solutions: Flexible, simple, affordable options for you and your borrowers.

Affordable Lending

Discover solutions to help your first-time homebuyers and those with very-low to moderate-incomes, achieve the dream of homeownership.

Navigating the Freddie Mac Community Land Trust Database

Insights and highlights from CONNECT 2023.

Stacey Epperson
President & Founder, Next Step Network, Inc.