On July 10, 2017 NAR submitted comments to the FHFA regarding the Agency's proposed “Duty to Serve Underserved Markets” Plans. Ensuring the continued availability of affordable mortgage credit to all qualified borrowers is an obligation of both Fannie Mae and Freddie Mac. Without the affirmative obligation of either of the Enterprises to facilitate the financing of affordable housing for low- and moderate-income families consistent with sustainable homeownership, access to credit in some of these markets would remain limited. As the Enterprises implement their proposed Plans, their efforts do not need to compromise safe and sound lending standards. Support of fair and affordable mortgages to a full range of qualified households in the market is achievable.