Unlocking Opportunities in Mortgage Financing
The Federal Home Loan Banks' Mortgage Partnership Finance® Program is designed to help you grow your mortgage business while strengthening the communities you serve.
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MPF Enhanced Guidelines
Participating Financial Institutions (PFIs) may sell loans for low-income borrowers, manufactured homes, renovation, and PFI-funded affordable housing programs under the MPF Traditional Products that were previously ineligible. Fannie Mae and Freddie Mac HomeReady®, HomePossible®, MH Advantage®, and CHOICEHome® approved loans will also now be eligible.
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Subscribe to MPF Communications
Stay up to date on the latest MPF Program news by subscribing to receive updates on MPF products, guides, and system enhancements.
SubscribeAccess to the Secondary Mortgage Market
The Mortgage Partnership Finance® (MPF®) Program gives community lenders access to the secondary mortgage market through a model designed to strengthen both balance-sheet performance and borrower relationships. Built around partnership, flexibility, and competitive execution, the MPF Program helps members expand lending capacity while maintaining the community lending model.
$1B+
in credit enhancement income paid to members for strong loan performance
700+
over 700 MPF Program participants in 2025
2M+
over 2 million mortgage loans purchased
Innovative Mortgage Solutions
MPF Program offers a variety of products that allow you to sell your conventional/conforming and government loans to your Federal Home Loan Bank (FHLBank). Explore the unique features of the MPF Products.
Liquidity
MPF liquidity solutions provide members with access to reliable, flexible funding options while maintaining customer relationships.
Credit Risk Sharing
The MPF Program’s credit risk sharing structures are designed to reward members for originating high performing loans. Members can choose from multiple products based on their risk tolerance, earning a revenue stream and being rewarded for strong loan performance.
Increasing Homeownership
MPF products are designed to make financing more accessible—whether through low down payment options, flexible loan programs, or competitive pricing structures that level the playing field for community lenders and their borrowers.
Growth & Scalability
We have multiple product options that are scalable to the size of your business and support your growth. Members can work with their FHLBank to determine the best solution based on their risk tolerance, while earning income when their loans perform well.
Recent Announcements
Jun 05, 2026
FNMA published SEL 2026-06 removing an overlap with Value Acceptance and Property Data, clarified no additional review is required for authorized user tradelines on DU approved/eligible loans, provides use of IRS Form 8821 as an alternative to IRS 4506-C.
Jun 03, 2026
Enhancements to the Income Assessment section to improve clarity and consistency in income evaluation requirements.
May 29, 2026
Income reverification requirements have been updated to streamline quality control processes.
May 28, 2026
Clarified forbearance plan term increments, disaster related loan modification eligibility, and foreclosure actions for disaster impacted properties.
May 22, 2026
Fannie Mae published Servicing Letter 2026-04 updating remote online notarization requirements.
Upcoming Webinars
Join our upcoming webinars to enhance your knowledge and stay updated on industry trends.
1 hour
MPF® University Welcomes MGIC: Focus on Variable Income
Wednesday, June 10, 2026 | 1:00pm
Evaluating variable income can be challenging due to its fluctuating nature. Plus, you have to understand all the Agency guidelines for analyzing variable income. Learn how to analyze income trends along with other factors so you can make the best underwriting decisions when calculating variable income.
Resources For Program Participants
MPF University
MPF University is a free, on-demand learning resource that's available to Participating Financial Institutions. Course content is provided by the Mortgage Bankers Association (MBA), a leader in mortgage industry training and education. Take advantage of courses that explore areas such as mortgage origination, servicing, and compliance.
View Courses and CertificationsTools and Technology
Information on how to register and access MPF Applications: eMPF®, eMAQCS®plus, and the MPF Customer Service Portal.
MPF Applications InformationKnowledge Articles
Knowledge articles provide detailed instructions on common tasks Participating Financial Institutions (PFIs) perform when utilizing the MPF Program.
View ArticlesMPF Program Guidelines
The MPF Guides outline program and product specific requirements and processes Participating Financial Institutions must follow in order to participate in the Mortgage Partnership Finance Program.
Explore MPF GuidesParticipate in the MPF Program
Join the MPF Program by applying through your FHLBank representative today for seamless mortgage solutions.