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Freddie Mac Single-Family Duty to Serve

Rural Housing

Putting qualified borrowers in rural markets on the path to homeownership.


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We're finding innovative ways to leverage research and expand financing to increase access to affordable housing in rural communities nationwide.


Duty to Serve Rural Housing

Lenders and borrowers in rural markets in high-needs areas face specific challenges. Here's how we're addressing them. Learn More

Supporting Middle Appalachia, Lower Mississippi Delta and the Colonias.

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Supporting Native American Tribes.

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Making lending more efficient for the entire rural housing market Americans.

  • Did you know?

    Maine and Vermont have the highest proportion of population living in rural areas (about 61%)

  • Did you know?

    California has the lowest proportion of population living in rural areas (4.9%)

  • Did you know?

    Rural America encompasses 72% of our country's land area, houses 46 million residents & plays an essential role in the overall economy


Heat Map

2018 High-Needs Rural Areas for Duty to Serve

Interactive Heatmap

heat map of the united states

The Power of Teamwork

We've Got Big
Plans for Small
Town America

Meet Our Strategic Alliances


What's New

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Sweat Equity Overview

Your borrowers can use their skills instead of cash, to cover down payment.

New! Sweat Equity Guide Update

New! Sweat Equity Guide Update

Here's a snapshot of our new enhancements.

Tribal Leaders Handbook on homeownership

Tribal Leaders Handbook on homeownership

How to navigate the homeownership process on tribal lands.

Next Job Re-employment program

NextJob® Re-employment program

Because life can bring unexpected events.


  • "We strongly support Freddie Mac's mission around Duty to Serve. Being from rural America, we often feel that we are sometimes overlooked. A lot of the programs are directed more for urban areas. So, we really appreciate what Freddie Mac is doing to help serve our communities in rural America."

    Kelly Fleck

    Kelly Fleck
    Homeownership Center Director, Frontier Housing, Morehead, Kentucky

  • "I greatly appreciate that one of Freddie Mac’s focus areas is rural areas. Sometimes it gets overlooked in the grand scheme of things. I appreciate that it’s being a focus and further appreciate that Freddie Mac is taking the steps to go and see the rural areas that they are trying to serve first hand."

    photo of Sabrina Seamon

    Sabrina Seamon
    Deputy Executive Director, Clinch-Powell Resource Conservation & Development Council

  • "I can appreciate the things Freddie is doing, specifically in rural lending and rural opportunities…It’s going to take a large-scale effort to make the difference we want to make, and I feel the opportunity that we have with organizations like Freddie Mac is where those differences can really happen."

    photo of Laura Meadows

    Laura Meadows
    Senior Vice President of Lending, Fahe, Lexington, Kentucky

  • "NextJob is honored to be included Freddie Mac's Duty to Serve mission as part of it's economic empowerment strategy. There are few better ways to help people in rural communities than to help them land a job and become a homeowner. The combination is a surefire recipe for building financial prosperity and security for their future."

    photo of Laura Meadows

    Dixie Bullock
    Coach Team Manager, NextJob

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