Government Loans
Financial institutions can sell their fixed-rate mortgage loans that are insured or guaranteed by government agencies with the MPF® Program's government loan products.
Learn More About MPF's Government Loan Products
Explore the MPF® Program's government loan products to find flexible solutions that support homeownership.
MPF® Government
The MPF Government product allows you to sell fixed-rate mortgage
loans insured or guaranteed by government agencies to your local Federal
Home Loan Bank (FHLBank). Loan programs include FHA, VA, RHS Section
502, and HUD Section 184. You can retain loan servicing or take a
servicing-released option.
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MPF Government MBS
MPF Government MBS is a government loan product whereby the MPF Program acquires government loans from eligible MPF Program participants. The purchased loans will be aggregated and pooled into securities guaranteed by the Government National Mortgage Association (Ginnie Mae). Loans that qualify under this product are fixed-rate mortgage loans insured or guaranteed by government agencies.Conventional / Conforming Loans
MPF Program offers conventional conforming loans with flexible remittance options to help manage liquidity and risk.
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.
FAQs
Find answers to your most pressing questions about government loans here.
Government lending can involve complex eligibility, documentation, and compliance requirements. The MPF Program helps simplify this process by providing a structured execution framework, clear program guidance, and dedicated support throughout the loan delivery process. By leveraging MPF expertise and established processes, financial institutions can more confidently originate and sell government loans while maintaining consistency with agency requirements and adapting to regulatory or market changes over time.
Selling government loans through the MPF Program helps financial institutions manage interest rate risk, improve liquidity, and reduce balance sheet exposure while continuing to support affordable homeownership. The MPF Program is structured to support community-focused lenders by offering:
- Access to secondary market execution for government loans
- Competitive pricing and transparent economics
- Operational efficiencies through MPF tools, systems, and expertise
The MPF Program offers government products that support FHA, VA, and USDA Rural Development loans. These products allow participating financial institutions to sell eligible government loans into the MPF Program while maintaining the ability to serve borrowers who rely on government-backed financing. The MPF Program provides standardized execution, competitive pricing, and operational support designed to align with government agency requirements.
Explore More Resources
Access resources, including guides, articles, and announcements, to stay informed about the MPF® Program.
MPF Guides
Dive deeper into the program with our comprehensive program and product guidelines.
Knowledge Articles
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MPF Program Updates
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