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.
MPF Xtra: Begin Testing for Upcoming Escrow Reporting Changes
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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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
Sep 23, 2026
This document summarizes MPF Selling Announcements being published on this date.
Sep 23, 2026
Fannie Mae published SEL-2026-08, updating the rental income review process, revised the highest and best requirements for UAD 3.6 and expanding NACLI eligibility.
Sep 23, 2026
Fannie Mae recently published an update to Lender Letter LL-2021-10, expanding the eligibility for the RefiNow option.
Sep 21, 2026
MPF Program is now accepting loans underwritten through Desktop Underwriter (DU) using VantageScore 4.0 for delivery under the MPF Xtra product only.
Sep 21, 2026
The MPF Program is reminding Participating Financial Institutions (PFIs) to prepare now for upcoming MPF Xtra escrow event-based reporting requirements, which take effect December 1.
Upcoming Webinars
Join our upcoming webinars to enhance your knowledge and stay updated on industry trends.
1 hour
MPF Xtra Fannie Mae Escrow Reporting Series - Office Hours
Thursday, September 24, 2026 | 1:00pm
The MPF Xtra Fannie Mae Escrow Reporting Series combines practical webinar training with interactive Office Hours to help PFIs prepare for Fannie Mae's new escrow reporting requirements. This Office Hours session is participant-driven. Bring your questions, readiness concerns, and implementation challenges for discussion with MPF Provider and subject matter experts.
1 hour
MPF Default Tutorial Series - Module 1: Loss Mitigation Framework
Tuesday, September 29, 2026 | 1:00pm
Establish the borrower hardship framework, workout hierarchy, and decision making approach used throughout the series. This five-part webinar series helps PFUs evaluate borrower situations, understand available workout options, and determine appropriate next steps. Through scenario-based instruction, practical examples, and SME-led discussions, participants will learn how to apply key Default Management concepts and support sustainable borrower outcomes.
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.