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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.

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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.

Cost-Effective Renovations

Supporting financing with CHOICERenovation? for renovations and repairs to help make homes affordable, safe, and tailored to the household’s evolving needs.

LIHTC Equity

Expanding our investments in the Low-Income Housing Tax Credit equity market to help create and preserve more affordable rental housing in 22 states, Puerto Rico and Guam.

  • Duty to Serve Facts

    In 2019, we substantially increased our LIHTC equity in Duty to Serve areas with more than $111.9 million in investments in these communities.

  • Duty to Serve Facts

    In 2019, we provided more than $1.7 billion to finance more than 14,000 single-family homes in rural areas– most in high-needs regions.

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

Expanding homeownership opportunities with financing for manufactured homes, including CHOICEHome?, which has many features of a site-built home.

Resident-Owned Communities

Doing more to finance and support resident-owned manufactured housing communities across the U.S.

  • Duty to Serve Facts

    In 2019, we provided $519 million to finance almost 4,400 manufactured homes – 22% more homes than in 2018.

  • Duty to Serve Facts

    We deployed $88 million to support tenant protections across 1,387 leases in Manufactured Housing Communities.

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.

Energy-Efficiency Financing

Offering GreenCHOICE Mortgages? to make it easier to finance energy-efficiency improvements when buying or refinancing a home.

Rental Housing Financing

Preserving affordable rental housing across the nation in communities like Tulsa, Oklahoma.

  • Duty to Serve Facts

    In 2019, we provided $10.1 billion to support multifamily affordable housing preservation, including over $800 million in liquidity in support of small balance loans.

  • Duty to Serve Facts

    We’re helping to keep homes affordable in high-cost areas over the long term with our Community Land Trust Mortgage and other options for financing shared equity homeownership opportunities.

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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