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          Duty to Serve

          Duty to Serve

          Tackling the nation’s most persistent housing challenges.

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          illustration of houses growing on a tree

          Our Mission

          Doing More for Affordable Housing

          We're proud to lead the industry in developing innovative solutions for rural housing, manufactured housing, and affordable housing preservation that will benefit the nation for generations to come.

          Duty to Serve Logo

          Help Where it's Needed

          Supporting Rural Housing

          Rural areas are home to about one-quarter of the nation’s population, but suffer disproportionately from substandard infrastructure, lack of affordable housing options, and higher-than-average poverty rates.

          We’re working to expand affordable housing options for more households across the rural landscape.

          Sweat Equity

          Expanding opportunities for borrowers to make a down payment with their skills instead of cash.

          LIHTC Equity

          Re-entering the LIHTC equity market to help create and preserve more affordable rental housing in places like Summit County, CO.

          • Duty to Serve Facts

            We exceeded all LIHTC equity investment targets in 2018 to support 17 rural rental properties with 796 units affordable at 60% AMI.

          • Duty to Serve Facts

            We purchased more than $1.5 billion in single-family loans – the majority in high-needs rural areas.

          Affordable Homes

          Supporting Manufactured Housing

          Today’s manufactured homes are comparable in quality to site-built homes and cost up to 50 percent less per square foot, providing a meaningful affordable housing alternative for many families.

          We’re developing innovative approaches to better support manufactured housing options.

          More Affordable Financing

          Launching CHOICEHomeSM to offer conventional financing similar to site-built options for a new type of high-quality factory-built home.

          Resident-Owned Communities

          Doing more to finance and support resident-owned manufactured housing communities like World Marine Estates in American Canyon, CA.

          • Duty to Serve Facts

            In 2018, we purchased $372 million in single-family manufactured home loans, which includes a 10% increase in purchase money mortgages over 2017.

          • Duty to Serve Facts

            We conducted in-depth research on tenant protections in manufactured housing communities to better inform our ongoing efforts.

          Keeping it Together

          Supporting Affordable Housing Preservation

          Preserving the nation’s existing affordable housing stock is critical for keeping safe, decent homes within reach for moderate- and low-income families.

          We’re focusing on preserving affordable housing to foster strong, stable communities.

          Shared Equity Programs

          Preserving affordable housing by purchasing community land trust mortgages that help maintain long-term affordability.

          Tax-Exempt Financing

          Expanding our tax-exempt loan financing to help keep rental housing like Brooklyn’s Eleven33 affordable for low-income renters.

          • Duty to Serve Facts

            In 2018, our new TAH Express offering provided $50 million in funding for 12 smaller properties to more cost-effectively support over 1,100 affordable rental units.

          • Duty to Serve Facts

            We introduced GreenCHOICE Mortgages℠ to make it easier to finance energy-efficiency improvements when buying or refinancing a home.

          Making a Positive Difference Together

          We’re engaging with the industry, community organizations, all levels of government, and other dedicated organizations to take action. #DutyToServe

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