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MPF® Traditional
MPF Xtra®
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Earn additional income based on the performance of your loans by sharing in the credit risk associated with home mortgage finance.
How to Apply
With MPF Traditional (125 and Original), you have added security against loan losses. After borrower equity and private mortgage insurance, MPF Traditional offers an additional layer of loss protection called the First Loss Account (FLA), which is absorbed by FHLB Des Moines.
Credit Enhancement: Credit enhancement determines the amount of support that the loan needs to meet the target credit enhancement rating. Learn More.
Activity Stock Dividend Benefit: The value of the strong FHLB Des Moines dividend combined with the CE increases the overall revenue benefit. Learn More.
Still need help? Visit our Product Comparison Page to help determine which is a good fit for you.
Since the launch in Spring 2024, Mortgage Rate Relief has helped fund over 1,000 loans in underserved areas by permanently reducing interest rates by approximately 2 percentage points lower than the current market rate. Mortgage Rate Relief is available on a first-come, first-served basis to Participating Financial Institutions within the Mortgage Partnership Finance Program beginning September 16, 2024.
Learn More About Mortgage Rate Relief
* The Mortgage Rate Relief interest rate offered by FHLB Des Moines will be approximately 2% below prevailing market rates at any given time.
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