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    Duty to Serve
Rural Housing
Creating opportunities in rural markets

To meet the unique needs of rural markets, we’re working with local and regional stakeholders to ensure that housing opportunities, financing products, and secondary market support operate in tandem. Together, we’re creating better options for homeowners and renters alike.

View the comprehensive 2022-24 plan and specific sections:

All Markets Rural Housing

A nationwide commitment

Because rural markets aren’t one-size-fits-all, we engage on a local level and work to address issues in areas as diverse as Appalachia, the Mississippi Delta, the U.S.-Mexico border region, those serving Native American populations, and areas of persistent poverty.
  
  
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Duty to Serve
                                                              Manufactured Housing
                                    Affordable Housing Preservation
                                    Rural Housing
                                    Research Initiatives
                                    Heirship
                                    Colonias Investment Areas
                                    Supporting Native American  homeownership

  

  What’s new in rural housing


Defining Colonias Investment Areas
      Insights gained from our research are leading to greater understanding of the colonias region and opportunities for additional industry investment.
              




Explore the research
              Estimating the impact of heirship issues
      An estimate of the prevalence and impact of heirs' title issues on a national scale.
              




Read the report

  

  Helping homebuying dreams come true
              Our Innovation Challenge partner Come Dream, Come Build continues to help families in Rio Grande Valley, TX hit hard by COVID-19 become homeowners.
                    




Learn more

  

  Single-family rural housing

We’re serving Native American communities
  We’re helping provide enhanced mortgage products, agreements for financing on tribal lands, and educational materials nationwide.

Native American homeownership
                                Our efforts in rural housing expand access to financing
  We’re increasing loan purchases in high-needs rural regions, including purchases from small financial institutions.
                                Stakeholder engagement helps us succeed
  Lenders, nonprofits, and government entities are among our strong network of rural housing stakeholders.

  

  Multifamily rural housing

We’re reaching underserved markets and populations
  Our multifamily loan purchases target high-needs rural regions — Middle Appalachia, the Lower Mississippi Delta, and persistent poverty counties in rural areas.

View the research
                                Our tax credit investments help make affordable housing possible
  We invest in Low-Income Housing Tax Credit (LIHTC) properties in high-needs rural regions and Native American and farmworker communities.

Information on LIHTC investments

  

  Our accomplishments*
Executed housing counseling programs for aspiring and current rural borrowers
                                Purchased 81,530 single-family loans in high-needs rural regions
                                Financed 21,999 units of affordable housing in high-needs rural regions
                                Invested in 379 LIHTC properties in rural areas

**Totals reflect 2018-2022. Data represents Fannie Mae’s determination of qualifying Duty to Serve activities, and are subject to restatement or revision based on FHFA review. Fannie Mae’s 2022 results have not been validated.*

  

  View our latest research
      
                        




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