MPF Announcement 2025-103

MPF Traditional Selling – Tax Transcripts Update

Effective Date: Immediately (unless otherwise noted within)

In efforts to streamline the origination process and align with industry standard, the MPF Program is updating the tax transcript requirement for MPF Traditional Conventional mortgage loans.

Effective immediately, PFIs are no longer required to obtain tax transcripts during the origination process. If tax returns were used in the underwriting of the Mortgage Loan, the PFI may obtain transcripts for the same tax years as documented by the tax returns.

As a reminder, if the MPF Program selects the mortgage loan for a post-Closing QC review (including targeted reviews as applicable), regardless of the type of income documentation provided in the mortgage loan file, the PFI is required to obtain the tax transcripts accordingly.

For additional information, see 5.3.6 4506-C and Tax Transcripts of the MPF Traditional Selling Guide.

For questions or assistance, please contact the MPF Service Center by using one of the following options:

References:: MPF Announcement 2025-103

MPF Traditional Selling – Tax Transcripts Update

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