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.
.png?sfvrsn=67d17892_1)
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.
Learn More
.jpg?sfvrsn=7134a9a0_2)
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
900+
over 900 participating sellers and servicers in the MPF Program
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
May 04, 2026
Beginning May 5, the email contact page in eMAQCS®plus will be updated. As part of this enhancement, cc email fields will be eliminated, and each email contact will be listed on its own line.
May 04, 2026
MPF Xtra update related to FNMA LL-2026-04 - Governance framework on use of artificial intelligence and machine learning.
May 01, 2026
Fannie Mae published Lender Letter LL-2026-01 providing updates to retention workout options and disaster-related foreclosure proceedings policy.
Apr 30, 2026
Following the April 22, 2026 FHFA and HUD announcement, this clarification explains how the introduction of new credit score models impacts the MPF Program.
Apr 27, 2026
Updated the MPF Traditional Selling Guide to include expanded eligibility designed to provide greater flexibility, stronger alignment with market standards, and additional opportunities to support affordable and sustainable homeownership.
Upcoming Webinars
Join our upcoming webinars to enhance your knowledge and stay updated on industry trends.
1 hour
Getting to Know Fannie Mae’s HomeReady® and Freddie Mac’s Home Possible® Products
Wednesday, May 06, 2026 | 1:00pm
Beginning April 27, 2026, both Fannie Mae’s HomeReady® and Freddie Mac’s Home Possible® products will be available under the conventional MPF® Traditional products. In this session you will learn how both options are a great way to increase homeownership opportunities for low-income borrowers.
1 hour
MPF® University Welcomes Radian: Beyond Schedule C
Thursday, May 14, 2026 | 1:00pm
Presented by Radian, this webinar is for those looking for a more condensed, advanced focus on business tax returns. In this session you will learn to Analyze tax returns from Schedule E Part II through the corporate tax return.
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.