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The organization is structured into two main operating divisions: Single-Family and Multifamily. The Single-Family division focuses on residential properties. It acquires and pools diverse types of single-family mortgages for securitization, including fixed or adjustable-rate, first-lien loans, as well as those insured by the Federal Housing Administration (FHA), guaranteed by the Department of Veterans Affairs (VA) and the U.S. Department of Agriculture's Rural Development Housing and Community Facilities Program, and mortgages for manufactured homes. This segment also delivers mortgage servicing solutions and provides expertise in managing credit risk and potential financial losses. The Multifamily division caters to larger residential properties. It securitizes multifamily loans into Fannie Mae MBS and directly purchases such loans. This segment also boosts the credit quality of bonds issued by state and local housing finance authorities to fund multifamily projects. 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