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.
Introducing the MPF Navigator: AI-Powered Guide Search
The MPF Program is pleased to introduce the MPF Navigator, a new AI-powered search tool designed to make it easier and faster to find information within the MPF Guides. With MPF Navigator, users can ask questions in everyday language and receive relevant information based on MPF Guide content.
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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.
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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
Aug 06, 2026
The MPF Program is reminding Participating Financial Institutions (PFIs) to begin testing and continue preparing for the upcoming MPF Xtra escrow event-based reporting requirements.
Aug 06, 2026
This document summarizes MPF Selling Announcements being published on this date. PFIs and Servicers must refer to the actual MPF Announcement for the specific requirements and guidance.
Aug 06, 2026
The temporary buydown qualification requirements have been updated to align with the standard debt-to-income (DTI) ratios.
Jul 27, 2026
The MPF Program is pleased to introduce the MPF Navigator, a new AI-powered search tool designed to make it easier and faster to find information within the MPF Guides.
Jul 23, 2026
The MPF Program has made important updates to the MPF Traditional Servicing Guide and the MPF Xtra Servicing Guide.
Upcoming Webinars
Join our upcoming webinars to enhance your knowledge and stay updated on industry trends.
1 hour 15 minutes
MPF® University Welcomes MGIC: Analyzing Self-Employed Borrowers 101 – Getting Started & the Sole Proprietor
Wednesday, August 12, 2026 | 1:00pm
Learn the fundamentals of analyzing self-employed borrower income using tax returns. This webinar covers required documentation, business structures and Schedule C income calculations to help mortgage professionals confidently evaluate qualifying income.
1 hour
MPF® University Welcomes Arch: Components of Paystubs and W2s
Wednesday, September 02, 2026 | 1:00pm
Learn the fundamentals of income documentation in this MPF University session. Participants will review key paystub and W-2 components, general documentation requirements and mandatory payroll deductions used in mortgage underwriting.
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.