Increasing Affordable Homeownership
The Mortgage Partnership Finance® (MPF®) Program is designed to provide access to mortgage financing, helping your institution support more borrowers while strengthening the communities you serve.
Homeownership Solutions That Open Doors
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.
Conventional / Conforming Loans
Through the MPF Program, members can offer affordable conventional and conforming mortgage solutions without loan-level price adjustments (LLPAs) reducing upfront origination costs and , ensuring access for borrowers across all income levels. This structure reduces barriers for families and individuals who might otherwise struggle to meet the qualification requirements.
By working with local community lenders, the MPF Program enables access to underserved populations that are often overlooked by larger financial institutions, thereby broadening the path to sustainable homeownership.
Government Loans
The MPF Program also supports a wide range of government-backed loans to expand homeownership opportunities:
- FHA Loans: Low down payment options for borrowers with limited savings.
- VA Loans: Financing and down payment flexibility for U.S. military veterans and service members.
- Rural Housing Service (Section 502): Flexible financing designed for families in rural and agricultural areas.
- HUD Section 184: Affordable and flexible financing to support homeownership on Indian and Native American lands.
By providing liquidity for these programs, the MPF Program empowers members to better meet the diverse needs of the communities they serve.
How We Support Affordable Homeownership
The MPF Program offers solutions that make mortgage financing more affordable and accessible, enabling members to expand opportunities for families, veterans, and underserved communities.
Explore More Resources
eMPF Information
The eMPF Website is a secure transaction portal available to authorized users of member institutions participating in the MPF Program. Explore our video tutorial library on common eMPF processes.
eMAQCSplus
Use eMAQCS®plus for MPF Quality Control and Default Management reporting and pipeline management. Sign up to receive eMAQCSplus credentials for Quality Control and/or Default Management and explore our eMAQCSplus resources.
MPF Data Resources
Access data resources that support loan delivery, servicing, quality control, and on-going program management.
Community Lenders Share Their Experience
"The ability to originate loans and sell them through the MPF Traditional products without loan-level price adjustments gives us the flexibility to compete with other lenders. Sometimes members tell us they want to keep their business with our credit union but they’ve received a matching or even better quote than what we’ve initially offered. In these cases, the lack of LLPAs gives us the pricing flexibility we need to compete and continue to serve our membership without sacrificing profitability."
Daniel McLean
Vice President, Quality Control and Secondary Market Sales, Credit Union 1
"We appreciate the flexibility to either hold loans on our balance sheet until an opportune time or sell them immediately, with best efforts or mandatory lock execution—whatever market conditions require. In the current high-rate environment, having the ability to quickly move loans off the balance sheet in moments of market improvement has been especially helpful."
Russ Bernardo
Chief Lending Officer, OCCU
"As we’ve scaled up our mortgage operations, the MPF Traditional products have given TTCU the tools and resources to operate like a larger lender, with much greater flexibility in reporting requirements than other GSEs as well as the option to continue servicing our members’ loans."
Floyd Goode
Senior Vice President, Chief Lending Officer, TTCU Federal Credit Union
"Managing liquidity can be a challenge for lenders when interest rates rise. Texas Tech Credit Union originates a high volume of mortgages for our asset size, which means it’s important for us to sell and transfer loans promptly so we can turn around and provide loans to more members. With the MPF Traditional products, we’ve been able to complete this process quickly and easily, usually within 48 hours versus the seven to 10 days we’d expect with another investor."
Greg Couture
Mortgage Operations Director, Texas Tech Credit Union
"We’ve found the MPF Program to be a friendly introduction to the secondary market. The guidelines are exceptionally easy to follow, and gaining access to Fannie Mae’s Desktop Underwriter® through the Program has made the process even smoother."
Darlene Vigil
Assistant Vice President/Real Estate Manager, State Employees Credit Union
Participate in the MPF Program
Join the MPF Program by applying through your FHLBank representative today for seamless mortgage solutions.